West Pointe 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%.
Equity capital to total assets rose 0.53 percentage points from Q1 2026 to Q2 2026, ending at 19.32% against 18.79%. It was the largest change among the key lines on this page.
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 | 19.41% |
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 | $71.5M |
| Tier 1 capital | $71.5M |
| Total risk-based capital | — |
| Total equity capital | $71.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.32% |
| Tangible equity to tangible assets | 19.32% |
| Equity capital to average assets | 19.34% |
| Internal capital growth rate | 5.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $9.7M |
| Retained earnings | $59.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$265K |
| 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 | 20.97% | 20.97% | 22.22% | 18.06% | $297.0M |
| Q4 2023 | 20.87% | 20.87% | 22.13% | 17.78% | $297.4M |
| Q1 2024 | 22.46% | 22.46% | 23.71% | 18.23% | $281.7M |
| Q2 2024 | 21.77% | 21.77% | 23.03% | 18.64% | $294.3M |
| Q3 2024 | 22.17% | 22.17% | 23.42% | 18.80% | $293.6M |
| Q4 2024 | 22.16% | 22.16% | 23.42% | 18.15% | $288.3M |
| Q1 2025 | 21.73% | 21.73% | 22.98% | 18.56% | $300.5M |
| Q2 2025 | 21.15% | 21.15% | 22.41% | 18.20% | $313.5M |
| Q3 2025 | 22.22% | 22.22% | 23.47% | 18.28% | $304.2M |
| Q4 2025 | 21.85% | 21.85% | 23.10% | 18.29% | $310.7M |
| Q1 2026 | — | — | — | 18.97% | — |
| Q2 2026 | — | — | — | 19.41% | — |
West Pointe Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Pointe 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 Pointe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34162) · FFIEC NIC profile (RSSD 2371816)