West 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, Accumulated other comprehensive income rose 4.0% in Q2 2026 to -$66.7M, the biggest move on this page. Within Iowa, West Bank is 69th of 114 on CET1 ratio, 13.03% as of Q2 2026, below the middle of the field. West Bank reported 13.03% on CET1 ratio for Q2 2026, 0.45 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.03% |
| Tier 1 risk-based capital ratio | 13.03% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 10.79% |
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 | $444.9M |
| Tier 1 capital | $444.9M |
| Total risk-based capital | $476.9M |
| Total equity capital | $378.1M |
| Risk-weighted assets | $3.41B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.39% |
| Tangible equity to tangible assets | 9.39% |
| Equity capital to average assets | 9.17% |
| Internal capital growth rate | 5.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $218.7M |
| Retained earnings | $223.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$66.7M |
| 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 | 12.01% | 12.01% | 12.89% | 11.00% | $3.49B |
| Q4 2023 | 11.89% | 11.89% | 12.76% | 10.86% | $3.53B |
| Q1 2024 | 11.76% | 11.76% | 12.63% | 10.65% | $3.57B |
| Q2 2024 | 11.79% | 11.79% | 12.66% | 10.25% | $3.56B |
| Q3 2024 | 11.86% | 11.86% | 12.73% | 10.29% | $3.55B |
| Q4 2024 | 11.95% | 11.95% | 12.86% | 9.97% | $3.54B |
| Q1 2025 | 11.99% | 11.99% | 12.90% | 10.46% | $3.55B |
| Q2 2025 | 12.29% | 12.29% | 13.21% | 10.36% | $3.48B |
| Q3 2025 | 12.26% | 12.26% | 13.17% | 10.50% | $3.53B |
| Q4 2025 | 12.44% | 12.44% | 13.35% | 10.35% | $3.50B |
| Q1 2026 | 12.61% | 12.61% | 13.53% | 10.66% | $3.48B |
| Q2 2026 | 13.03% | 13.03% | 13.97% | 10.79% | $3.41B |
West Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West 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 West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15614) · FFIEC NIC profile (RSSD 139740)