Waumandee State 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.7% to -$1.3M. Within Wisconsin, Waumandee State Bank is 35th of 85 on CET1 ratio, 13.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Waumandee State Bank sits 1.33 points lower, at 13.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 9.39% |
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 | $31.9M |
| Tier 1 capital | $31.9M |
| Total risk-based capital | $34.8M |
| Total equity capital | $38.3M |
| Risk-weighted assets | $232.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.09% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 11.02% |
| Internal capital growth rate | 0.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $23.7M |
| Retained earnings | $16.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 11.89% | 11.89% | 13.02% | 8.88% | $244.0M |
| Q4 2023 | 12.11% | 12.11% | 13.24% | 9.07% | $244.5M |
| Q1 2024 | 11.65% | 11.65% | 12.75% | 8.85% | $248.5M |
| Q2 2024 | 11.83% | 11.83% | 12.92% | 9.03% | $249.6M |
| Q3 2024 | 11.81% | 11.81% | 12.89% | 9.14% | $250.6M |
| Q4 2024 | 12.08% | 12.08% | 13.15% | 9.28% | $252.4M |
| Q1 2025 | 12.16% | 12.16% | 13.21% | 9.05% | $246.6M |
| Q2 2025 | 12.36% | 12.36% | 13.45% | 9.25% | $249.1M |
| Q3 2025 | 12.40% | 12.40% | 13.46% | 9.24% | $249.0M |
| Q4 2025 | 13.11% | 13.11% | 14.18% | 9.28% | $242.2M |
| Q1 2026 | 13.68% | 13.68% | 14.87% | 9.27% | $232.6M |
| Q2 2026 | 13.75% | 13.75% | 15.00% | 9.39% | $232.3M |
Waumandee State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waumandee State 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 Waumandee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10384) · FFIEC NIC profile (RSSD 780955)