West Plains 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%.
Retained earnings climbed 11.2% in Q2 2026, from $4.4M to $4.9M. 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 | 14.84% |
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 | $20.6M |
| Tier 1 capital | $20.6M |
| Total risk-based capital | — |
| Total equity capital | $20.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.40% |
| Tangible equity to tangible assets | 14.25% |
| Equity capital to average assets | 14.43% |
| Internal capital growth rate | 10.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $15.8M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$783K |
| 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 | 16.93% | 15.40% | 15.22% |
| Q4 2023 | 17.13% | 15.68% | 15.51% |
| Q1 2024 | 17.31% | 15.58% | 15.41% |
| Q2 2024 | 17.00% | 15.88% | 15.72% |
| Q3 2024 | 16.96% | 16.25% | 16.09% |
| Q4 2024 | 17.30% | 16.14% | 15.98% |
| Q1 2025 | 15.82% | 15.10% | 14.94% |
| Q2 2025 | 15.86% | 15.04% | 14.88% |
| Q3 2025 | 16.00% | 15.59% | 15.43% |
| Q4 2025 | 15.49% | 14.97% | 14.82% |
| Q1 2026 | 14.64% | 14.40% | 14.25% |
| Q2 2026 | 14.84% | 14.40% | 14.25% |
West Plains Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains 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 Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5369) · FFIEC NIC profile (RSSD 967952)