West Alabama Bank & Trust: 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%.
In Q2 2026, Retained earnings edged up by 1.8%, from $96.9M to $98.6M, the largest move 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 | 12.22% |
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 | $116.7M |
| Tier 1 capital | $116.7M |
| Total risk-based capital | — |
| Total equity capital | $97.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 10.14% |
| Internal capital growth rate | 7.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7K |
| Common stock surplus | $25.1M |
| Retained earnings | $98.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.81% | 7.05% | 6.30% |
| Q4 2023 | 10.66% | 7.63% | 6.94% |
| Q1 2024 | 10.64% | 7.96% | 7.24% |
| Q2 2024 | 10.79% | 8.13% | 7.41% |
| Q3 2024 | 10.91% | 9.03% | 8.34% |
| Q4 2024 | 10.91% | 7.89% | 7.21% |
| Q1 2025 | 11.04% | 8.88% | 8.19% |
| Q2 2025 | 11.13% | 8.87% | 8.19% |
| Q3 2025 | 11.32% | 9.62% | 8.95% |
| Q4 2025 | 11.44% | 9.35% | 8.71% |
| Q1 2026 | 12.03% | 10.35% | 9.67% |
| Q2 2026 | 12.22% | 10.51% | 9.83% |
West Alabama Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Alabama Bank & Trust, 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 West Alabama Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16175) · FFIEC NIC profile (RSSD 501132)