West Shore 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings dropped 20.4% in Q2 2026, from $35.8M to $28.5M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, West Shore Bank is 32nd of 43 on CET1 ratio, 11.68% as of Q2 2026. West Shore Bank reported 11.68% on CET1 ratio for Q2 2026, 3.40 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.62% |
| Tier 1 leverage ratio | 9.85% |
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 | $80.6M |
| Tier 1 capital | $80.6M |
| Total risk-based capital | $87.1M |
| Total equity capital | $78.2M |
| Risk-weighted assets | $690.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.38% |
| Tangible equity to tangible assets | 9.18% |
| Equity capital to average assets | 9.53% |
| Internal capital growth rate | 8.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $53.0M |
| Retained earnings | $28.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 11.23% | 11.23% | 12.23% | 8.42% | $545.2M |
| Q4 2023 | 11.36% | 11.36% | 12.35% | 8.39% | $548.0M |
| Q1 2024 | 10.83% | 10.83% | 11.77% | 8.56% | $580.2M |
| Q2 2024 | 10.53% | 10.53% | 11.47% | 8.19% | $600.7M |
| Q3 2024 | 10.70% | 10.70% | 11.65% | 8.26% | $607.7M |
| Q4 2024 | 10.71% | 10.71% | 11.65% | 8.47% | $621.9M |
| Q1 2025 | 10.62% | 10.62% | 11.56% | 8.65% | $635.7M |
| Q2 2025 | 10.59% | 10.59% | 11.52% | 8.91% | $655.1M |
| Q3 2025 | 11.80% | 11.80% | 12.76% | 9.49% | $643.0M |
| Q4 2025 | 11.58% | 11.58% | 12.53% | 9.39% | $666.5M |
| Q1 2026 | 11.77% | 11.77% | 12.73% | 9.55% | $671.2M |
| Q2 2026 | 11.68% | 11.68% | 12.62% | 9.85% | $690.3M |
West Shore Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Shore 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 Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14929) · FFIEC NIC profile (RSSD 832546)