Wayne Bank and Trust Co.: 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%.
In Q2 2026, Equity capital to total assets edged up by 0.11 percentage points, from 7.72% to 7.83%, the largest move among the key lines here.
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 | 9.53% |
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 | $24.4M |
| Tier 1 capital | $24.4M |
| Total risk-based capital | — |
| Total equity capital | $20.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.83% |
| Tangible equity to tangible assets | 7.83% |
| Equity capital to average assets | 7.82% |
| Internal capital growth rate | 0.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $22.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 13.54% | 13.54% | 14.68% | 10.33% | $165.4M |
| Q4 2023 | 13.28% | 13.28% | 14.45% | 10.42% | $168.3M |
| Q1 2024 | 13.25% | 13.25% | 14.41% | 10.40% | $170.1M |
| Q2 2024 | 12.90% | 12.90% | 14.04% | 10.21% | $174.9M |
| Q3 2024 | 12.87% | 12.87% | 14.01% | 10.11% | $176.1M |
| Q4 2024 | 12.85% | 12.85% | 13.99% | 10.07% | $177.7M |
| Q1 2025 | 12.79% | 12.79% | 13.92% | 10.14% | $181.6M |
| Q2 2025 | 12.19% | 12.19% | 13.32% | 9.88% | $189.7M |
| Q3 2025 | 11.91% | 11.91% | 13.03% | 9.67% | $196.8M |
| Q4 2025 | 11.98% | 11.98% | 13.13% | 9.57% | $200.5M |
| Q1 2026 | — | — | — | 9.58% | — |
| Q2 2026 | — | — | — | 9.53% | — |
Wayne Bank and Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne Bank and Trust Co., 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 and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1849) · FFIEC NIC profile (RSSD 451246)