Wellworth 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%.
Compared with Q1 2026, Retained earnings rose 3.1% in Q2 2026 to $124.0M, the biggest move on this page. Wellworth Bank ranks 36th of 71 Tennessee banks on CET1 ratio, in the lower half at 13.79% (Q2 2026). At 13.79%, Wellworth Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.79% |
| Tier 1 risk-based capital ratio | 13.79% |
| Total risk-based capital ratio | 14.98% |
| Tier 1 leverage ratio | 9.92% |
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 | $179.6M |
| Tier 1 capital | $179.6M |
| Total risk-based capital | $195.1M |
| Total equity capital | $180.5M |
| Risk-weighted assets | $1.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.82% |
| Tangible equity to tangible assets | 8.99% |
| Equity capital to average assets | 9.87% |
| Internal capital growth rate | 8.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $430K |
| Common stock surplus | $71.9M |
| Retained earnings | $124.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.9M |
| 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 | 13.72% | 13.72% | 14.87% | 9.72% | $1.08B |
| Q4 2023 | 13.60% | 13.60% | 14.73% | 9.70% | $1.10B |
| Q1 2024 | 13.33% | 13.33% | 14.46% | 9.63% | $1.14B |
| Q2 2024 | 13.24% | 13.24% | 14.38% | 9.62% | $1.16B |
| Q3 2024 | 13.14% | 13.14% | 14.27% | 9.54% | $1.19B |
| Q4 2024 | 13.19% | 13.19% | 14.34% | 9.50% | $1.21B |
| Q1 2025 | 13.28% | 13.28% | 14.43% | 9.55% | $1.22B |
| Q2 2025 | 13.21% | 13.21% | 14.35% | 9.67% | $1.25B |
| Q3 2025 | 13.32% | 13.32% | 14.47% | 9.70% | $1.26B |
| Q4 2025 | 13.53% | 13.53% | 14.68% | 9.83% | $1.28B |
| Q1 2026 | 13.81% | 13.81% | 14.98% | 9.94% | $1.27B |
| Q2 2026 | 13.79% | 13.79% | 14.98% | 9.92% | $1.30B |
Wellworth Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellworth 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 Wellworth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1711) · FFIEC NIC profile (RSSD 63733)