Waycross Bank & Trust: 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 fell 4.4% to -$9.3M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.15% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.1M |
| Tier 1 capital | $30.1M |
| Total risk-based capital | — |
| Total equity capital | $20.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.56% |
| Tangible equity to tangible assets | 8.56% |
| Equity capital to average assets | 8.38% |
| Internal capital growth rate | 10.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $393K |
| Common stock surplus | $6.5M |
| Retained earnings | $23.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.3M |
| 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 | 18.28% | 18.28% | 19.54% | 10.97% | $142.9M |
| Q4 2023 | 18.48% | 18.48% | 19.73% | 10.73% | $140.7M |
| Q1 2024 | 18.15% | 18.15% | 19.41% | 10.74% | $145.8M |
| Q2 2024 | 17.44% | 17.44% | 18.69% | 10.69% | $153.6M |
| Q3 2024 | 17.41% | 17.41% | 18.66% | 10.66% | $156.8M |
| Q4 2024 | 16.93% | 16.93% | 18.18% | 10.44% | $160.8M |
| Q1 2025 | 18.06% | 18.06% | 19.31% | 10.77% | $155.2M |
| Q2 2025 | 18.82% | 18.82% | 20.07% | 11.19% | $151.7M |
| Q3 2025 | 20.08% | 20.08% | 21.33% | 11.35% | $145.3M |
| Q4 2025 | 19.35% | 19.35% | 20.60% | 11.31% | $148.7M |
| Q1 2026 | — | — | — | 12.08% | — |
| Q2 2026 | — | — | — | 12.15% | — |
Waycross Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waycross Bank & Trust, 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 Waycross Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27254) · FFIEC NIC profile (RSSD 1191352)