Western Alliance Trust Company, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 94.88% +85.88 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $56.9M | 56,916 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $60.0M | 59,987 | RCOAA224 |
| Recomputed ratio | 94.88% | numerator / denominator | |
| Filed ratio | 94.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +85.88 pp | $51.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 63,596 | 63,485 | 63,498 | 63,422 | 63,349 | 63,304 | RCOAP742 |
| Retained earnings | (6,624) | (8,861) | (11,155) | (12,619) | (14,356) | (14,898) | RCOAKW00 |
| Accumulated other comprehensive income | (15) | (3) | 14 | 17 | (5) | (4) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 56,957 | 54,621 | 52,357 | 50,820 | 48,988 | 48,402 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (41) | (74) | (43) | (51) | (34) | (38) | P859 - P840 |
| Common equity Tier 1 capital | 56,916 | 54,547 | 52,314 | 50,769 | 48,954 | 48,364 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 56,916 | 54,547 | 52,314 | 50,769 | 48,954 | 48,364 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 59,987 | 57,665 | 55,354 | 51,856 | 50,580 | 50,427 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 94.88% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 94.59% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 94.51% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 97.90% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 96.79% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 95.91% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 94.03% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 95.98% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 96.63% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 89.43% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | NA | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 74.99% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Western Alliance Trust Company, N.A. (this bank) | CBLR | NA | NA | NA | 94.88% | |
| America's Community Bank | $64.1M | CBLR | NA | NA | NA | 8.69% |
| State Bank of Lakota | $64.2M | Risk-based | 14.66% | 14.66% | 15.66% | 9.58% |
| Kress National Bank | $63.7M | Risk-based | 29.71% | 29.71% | 30.96% | 9.64% |
| Community Bank of Memphis | $63.7M | CBLR | NA | NA | NA | 12.39% |
| State Bank of Industry | $64.3M | CBLR | NA | NA | NA | 14.21% |
| First Western Federal Savings Bank | $63.5M | CBLR | NA | NA | NA | 18.08% |
| Grand Timber Bank | $64.5M | Risk-based | 13.31% | 13.31% | 14.54% | 10.68% |
| The Security State Bank | $64.8M | Risk-based | 43.35% | 43.35% | 43.97% | 19.51% |
| Stanton State Bank | $64.8M | Risk-based | 16.45% | 16.45% | 17.63% | 9.65% |
| Peer 25th percentile | 14.66% | 14.66% | 15.66% | 9.64% | ||
| Peer median | 16.45% | 16.45% | 17.63% | 10.68% | ||
| Peer 75th percentile | 29.71% | 29.71% | 30.96% | 14.21% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/5805451/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.