Waypoint 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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.74 percentage points to 11.31%. Within Nebraska, Waypoint Bank is 36th of 57 on CET1 ratio, 12.86% as of Q2 2026. Waypoint Bank reported 12.86% on CET1 ratio for Q2 2026, 2.22 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 14.12% |
| Tier 1 leverage ratio | 10.87% |
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 | $43.0M |
| Tier 1 capital | $43.0M |
| Total risk-based capital | $47.2M |
| Total equity capital | $44.3M |
| Risk-weighted assets | $334.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 10.15% |
| Equity capital to average assets | 11.05% |
| Internal capital growth rate | 9.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $18.2M |
| Retained earnings | $29.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 13.11% | 13.11% | 14.37% | 10.63% | $303.5M |
| Q4 2023 | 13.30% | 13.30% | 14.56% | 10.86% | $303.9M |
| Q1 2024 | 12.93% | 12.93% | 14.19% | 10.89% | $314.1M |
| Q2 2024 | 13.15% | 13.15% | 14.41% | 11.01% | $312.6M |
| Q3 2024 | 13.47% | 13.47% | 14.73% | 11.15% | $309.2M |
| Q4 2024 | 13.78% | 13.78% | 15.04% | 11.21% | $303.6M |
| Q1 2025 | 13.32% | 13.32% | 14.58% | 11.51% | $317.0M |
| Q2 2025 | 13.35% | 13.35% | 14.61% | 11.58% | $323.4M |
| Q3 2025 | 13.32% | 13.32% | 14.58% | 11.50% | $327.1M |
| Q4 2025 | 12.16% | 12.16% | 13.41% | 10.58% | $343.2M |
| Q1 2026 | 12.32% | 12.32% | 13.58% | 10.47% | $340.3M |
| Q2 2026 | 12.86% | 12.86% | 14.12% | 10.87% | $334.3M |
Waypoint Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waypoint 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 Waypoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)