West Plains Savings and Loan Association: 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, Equity capital to total assets edged down by 0.18 percentage points, from 21.06% to 20.88%, 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 | 21.11% |
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 | $21.0M |
| Tier 1 capital | $21.0M |
| Total risk-based capital | — |
| Total equity capital | $21.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.88% |
| Tangible equity to tangible assets | 20.88% |
| Equity capital to average assets | 21.06% |
| Internal capital growth rate | 2.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $21.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$42K |
| 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 | 21.91% | 21.73% | 21.73% |
| Q4 2023 | 21.99% | 21.73% | 21.73% |
| Q1 2024 | 22.00% | 21.75% | 21.75% |
| Q2 2024 | 21.91% | 21.59% | 21.59% |
| Q3 2024 | 21.94% | 21.66% | 21.66% |
| Q4 2024 | 21.65% | 21.49% | 21.49% |
| Q1 2025 | 21.54% | 21.06% | 21.06% |
| Q2 2025 | 21.02% | 20.68% | 20.68% |
| Q3 2025 | 20.69% | 20.53% | 20.53% |
| Q4 2025 | 20.63% | 20.88% | 20.88% |
| Q1 2026 | 20.97% | 21.06% | 21.06% |
| Q2 2026 | 21.11% | 20.88% | 20.88% |
West Plains Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31329) · FFIEC NIC profile (RSSD 966973)