Wellington 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.1% lower than in Q1 2026, at -$15.7M. Wellington State Bank ranks 98th of 184 Texas banks on CET1 ratio, in the lower half at 16.54% (Q2 2026). Wellington State Bank reported 16.54% on CET1 ratio for Q2 2026, 1.47 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.54% |
| Tier 1 risk-based capital ratio | 16.54% |
| Total risk-based capital ratio | 17.79% |
| Tier 1 leverage ratio | 9.55% |
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 | $63.6M |
| Tier 1 capital | $63.6M |
| Total risk-based capital | $68.4M |
| Total equity capital | $50.3M |
| Risk-weighted assets | $384.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.62% |
| Tangible equity to tangible assets | 7.28% |
| Equity capital to average assets | 7.52% |
| Internal capital growth rate | 13.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $32.3M |
| Retained earnings | $33.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.7M |
| 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 | 13.12% | 13.12% | 14.19% | 9.78% | $417.0M |
| Q4 2023 | 12.85% | 12.85% | 13.96% | 9.38% | $428.7M |
| Q1 2024 | 13.00% | 13.00% | 14.15% | 9.27% | $426.4M |
| Q2 2024 | 12.63% | 12.63% | 13.76% | 9.37% | $439.5M |
| Q3 2024 | 13.84% | 13.84% | 15.05% | 9.53% | $407.4M |
| Q4 2024 | 14.04% | 14.04% | 15.24% | 9.56% | $414.7M |
| Q1 2025 | 14.74% | 14.74% | 15.99% | 9.61% | $396.8M |
| Q2 2025 | 14.98% | 14.98% | 16.13% | 9.80% | $396.4M |
| Q3 2025 | 14.61% | 14.61% | 15.76% | 9.78% | $413.3M |
| Q4 2025 | 15.55% | 15.55% | 16.74% | 9.43% | $396.9M |
| Q1 2026 | 15.91% | 15.91% | 17.16% | 9.38% | $389.2M |
| Q2 2026 | 16.54% | 16.54% | 17.79% | 9.55% | $384.4M |
Wellington State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellington 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 Wellington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1219) · FFIEC NIC profile (RSSD 371362)