Welcome State 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 climbed 8.4% in Q2 2026, from $1.5M to $1.6M. It was the largest change from Q1 2026 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 | 12.81% |
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 | $5.7M |
| Tier 1 capital | $5.7M |
| Total risk-based capital | — |
| Total equity capital | $5.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.95% |
| Tangible equity to tangible assets | 12.95% |
| Equity capital to average assets | 12.80% |
| Internal capital growth rate | 9.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $4.0M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6K |
| 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 | 19.13% | 19.13% | 20.38% | 10.97% | $23.8M |
| Q4 2023 | 17.15% | 17.15% | 18.40% | 10.68% | $26.1M |
| Q1 2024 | 17.64% | 17.64% | 18.89% | 11.23% | $26.0M |
| Q2 2024 | 18.84% | 18.84% | 20.10% | 11.75% | $25.0M |
| Q3 2024 | 19.69% | 19.69% | 20.95% | 12.05% | $24.9M |
| Q4 2024 | 18.75% | 18.75% | 20.01% | 11.64% | $26.4M |
| Q1 2025 | 18.27% | 18.27% | 19.53% | 11.78% | $27.3M |
| Q2 2025 | 18.02% | 18.02% | 19.27% | 12.03% | $28.4M |
| Q3 2025 | 18.46% | 18.46% | 19.72% | 12.31% | $28.8M |
| Q4 2025 | — | — | — | 12.15% | — |
| Q1 2026 | — | — | — | 12.79% | — |
| Q2 2026 | — | — | — | 12.81% | — |
Welcome State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Welcome State 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 Welcome State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11417) · FFIEC NIC profile (RSSD 215653)