Wayne 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 6.8% from Q1 2026 to Q2 2026, ending at $94.2M against $88.1M. It was the largest change among the key lines on this page. On CET1 ratio, Wayne Bank is 7th from the bottom among 72 Pennsylvania banks, 11.09% (Q2 2026). Wayne Bank reported 11.09% on CET1 ratio for Q2 2026, 2.40 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.09% |
| Tier 1 risk-based capital ratio | 11.09% |
| Total risk-based capital ratio | 12.22% |
| Tier 1 leverage ratio | 8.82% |
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 | $256.1M |
| Tier 1 capital | $256.1M |
| Total risk-based capital | $282.2M |
| Total equity capital | $271.6M |
| Risk-weighted assets | $2.31B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.35% |
| Tangible equity to tangible assets | 8.10% |
| Equity capital to average assets | 9.23% |
| Internal capital growth rate | 9.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $201.1M |
| Retained earnings | $94.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.5M |
| 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 | 11.90% | 11.90% | 12.78% | 9.17% | $1.69B |
| Q4 2023 | 11.95% | 11.95% | 13.02% | 8.98% | $1.67B |
| Q1 2024 | 11.93% | 11.93% | 12.96% | 8.93% | $1.69B |
| Q2 2024 | 11.87% | 11.87% | 12.87% | 8.88% | $1.71B |
| Q3 2024 | 11.66% | 11.66% | 12.70% | 8.97% | $1.74B |
| Q4 2024 | 12.30% | 12.30% | 13.39% | 9.33% | $1.76B |
| Q1 2025 | 12.03% | 12.03% | 13.15% | 9.38% | $1.81B |
| Q2 2025 | 12.10% | 12.10% | 13.24% | 9.39% | $1.83B |
| Q3 2025 | 10.92% | 10.92% | 11.98% | 8.56% | $1.86B |
| Q4 2025 | 11.04% | 11.04% | 12.08% | 8.56% | $1.89B |
| Q1 2026 | 11.01% | 11.01% | 12.10% | 8.76% | $2.27B |
| Q2 2026 | 11.09% | 11.09% | 12.22% | 8.82% | $2.31B |
Wayne Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne 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 Wayne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 698) · FFIEC NIC profile (RSSD 59316)