Watermark Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 10.4% in Q2 2026, from $15.4M to $17.0M. It was the largest change from Q1 2026 among the key lines here. Watermark Bank ranks 38th of 71 Oklahoma banks on CET1 ratio, in the lower half at 14.11% (Q2 2026). Watermark Bank reported 14.11% on CET1 ratio for Q2 2026, 0.96 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.11% |
| Tier 1 risk-based capital ratio | 14.11% |
| Total risk-based capital ratio | 15.36% |
| Tier 1 leverage ratio | 13.29% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $57.3M |
| Tier 1 capital | $57.3M |
| Total risk-based capital | $62.3M |
| Total equity capital | $57.0M |
| Risk-weighted assets | $405.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.64% |
| Tangible equity to tangible assets | 12.64% |
| Equity capital to average assets | 13.22% |
| Internal capital growth rate | 11.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $37K |
| Common stock surplus | $40.3M |
| Retained earnings | $17.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$316K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.02% | 14.02% | 15.27% | 14.27% | $310.3M |
| Q4 2023 | 15.38% | 15.38% | 16.64% | 14.00% | $287.4M |
| Q1 2024 | 15.41% | 15.41% | 16.66% | 14.00% | $289.4M |
| Q2 2024 | 14.77% | 14.77% | 15.87% | 14.52% | $309.1M |
| Q3 2024 | 14.19% | 14.19% | 15.35% | 12.90% | $328.5M |
| Q4 2024 | 15.29% | 15.29% | 16.52% | 12.89% | $311.7M |
| Q1 2025 | 15.19% | 15.19% | 16.38% | 13.69% | $331.5M |
| Q2 2025 | 15.74% | 15.74% | 16.99% | 14.61% | $327.4M |
| Q3 2025 | 14.86% | 14.86% | 16.09% | 13.77% | $356.0M |
| Q4 2025 | 14.90% | 14.90% | 16.15% | 12.99% | $363.9M |
| Q1 2026 | 14.56% | 14.56% | 15.81% | 13.22% | $381.8M |
| Q2 2026 | 14.11% | 14.11% | 15.36% | 13.29% | $405.9M |
Watermark Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Watermark Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Watermark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59148) · FFIEC NIC profile (RSSD 5313312)