WebBank: 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%.
Equity capital to total assets dropped 1.19 percentage points in Q2 2026, from 17.92% to 16.73%. It was the largest change from Q1 2026 among the key lines here. WebBank ranks 10th of 28 Utah banks on CET1 ratio, in the upper half at 18.10% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. WebBank sits 4.60 points higher, at 18.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.10% |
| Tier 1 risk-based capital ratio | 18.10% |
| Total risk-based capital ratio | 19.18% |
| Tier 1 leverage ratio | 17.39% |
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 | $473.6M |
| Tier 1 capital | $473.6M |
| Total risk-based capital | $501.8M |
| Total equity capital | $478.6M |
| Risk-weighted assets | $2.62B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.73% |
| Tangible equity to tangible assets | 16.58% |
| Equity capital to average assets | 17.54% |
| Internal capital growth rate | 12.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $25.5M |
| Retained earnings | $452.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.29% | 13.29% | 14.56% | 12.81% | $2.36B |
| Q4 2023 | 14.36% | 14.36% | 15.43% | 13.17% | $2.33B |
| Q1 2024 | 15.63% | 15.63% | 16.68% | 14.36% | $2.15B |
| Q2 2024 | 17.09% | 17.09% | 18.18% | 15.34% | $2.03B |
| Q3 2024 | 17.52% | 17.52% | 18.77% | 16.29% | $2.03B |
| Q4 2024 | 17.40% | 17.40% | 18.65% | 17.87% | $2.15B |
| Q1 2025 | 18.25% | 18.25% | 19.38% | 18.87% | $2.11B |
| Q2 2025 | 19.61% | 19.61% | 20.84% | 18.64% | $2.04B |
| Q3 2025 | 18.85% | 18.85% | 19.98% | 17.18% | $2.22B |
| Q4 2025 | 16.68% | 16.68% | 17.57% | 17.11% | $2.63B |
| Q1 2026 | 18.57% | 18.57% | 19.60% | 16.95% | $2.47B |
| Q2 2026 | 18.10% | 18.10% | 19.18% | 17.39% | $2.62B |
WebBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WebBank, 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 WebBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34404) · FFIEC NIC profile (RSSD 2576134)