Westbury 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 4.5% in Q2 2026 to -$7.2M, the biggest move on this page. Westbury Bank ranks 67th of 85 Wisconsin banks on CET1 ratio, in the lower half at 11.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Westbury Bank sits 3.31 points lower, at 11.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.76% |
| Tier 1 risk-based capital ratio | 11.76% |
| Total risk-based capital ratio | 12.80% |
| Tier 1 leverage ratio | 9.20% |
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 | $71.7M |
| Tier 1 capital | $71.7M |
| Total risk-based capital | $78.0M |
| Total equity capital | $64.5M |
| Risk-weighted assets | $609.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.35% |
| Tangible equity to tangible assets | 8.35% |
| Equity capital to average assets | 8.28% |
| Internal capital growth rate | -5.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $36.4M |
| Retained earnings | $35.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.2M |
| 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 | 12.43% | 12.43% | 13.37% | 9.76% | $695.6M |
| Q4 2023 | 12.57% | 12.57% | 13.52% | 10.02% | $692.2M |
| Q1 2024 | 12.38% | 12.38% | 13.33% | 10.01% | $692.6M |
| Q2 2024 | 13.12% | 13.12% | 14.13% | 10.24% | $651.8M |
| Q3 2024 | 13.61% | 13.61% | 14.63% | 10.53% | $640.6M |
| Q4 2024 | 13.95% | 13.95% | 14.98% | 10.41% | $626.9M |
| Q1 2025 | 14.37% | 14.37% | 15.42% | 10.62% | $613.9M |
| Q2 2025 | 12.52% | 12.52% | 13.51% | 9.84% | $640.6M |
| Q3 2025 | 12.74% | 12.74% | 13.78% | 9.65% | $613.3M |
| Q4 2025 | 11.61% | 11.61% | 12.65% | 8.97% | $612.9M |
| Q1 2026 | 12.33% | 12.33% | 13.42% | 9.23% | $588.6M |
| Q2 2026 | 11.76% | 11.76% | 12.80% | 9.20% | $609.4M |
Westbury Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Westbury 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 Westbury Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28400) · FFIEC NIC profile (RSSD 524971)