West Iowa 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%.
Common stock surplus climbed 382.9% in Q2 2026, from $1.8M to $8.6M. 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 | 11.89% |
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 | $26.6M |
| Tier 1 capital | $26.6M |
| Total risk-based capital | — |
| Total equity capital | $28.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.84% |
| Tangible equity to tangible assets | 11.30% |
| Equity capital to average assets | 12.54% |
| Internal capital growth rate | -92.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $8.6M |
| Retained earnings | $21.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.24% | 10.85% | 10.42% |
| Q4 2023 | 14.06% | 11.89% | 11.48% |
| Q1 2024 | 14.27% | 12.30% | 11.88% |
| Q2 2024 | 14.43% | 12.24% | 11.83% |
| Q3 2024 | 14.54% | 13.81% | 13.40% |
| Q4 2024 | 15.55% | 13.77% | 13.35% |
| Q1 2025 | 15.80% | 14.14% | 13.73% |
| Q2 2025 | 16.05% | 15.11% | 14.69% |
| Q3 2025 | 16.81% | 16.20% | 15.78% |
| Q4 2025 | 17.04% | 16.32% | 15.92% |
| Q1 2026 | 17.18% | 16.45% | 16.04% |
| Q2 2026 | 11.89% | 12.84% | 11.30% |
West Iowa Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Iowa 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 Iowa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9105) · FFIEC NIC profile (RSSD 137643)