Western 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.
Common stock surplus climbed 13.4% in Q2 2026, from $43.7M to $49.6M. It was the largest change from Q1 2026 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 | 9.77% |
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 | $86.8M |
| Tier 1 capital | $86.8M |
| Total risk-based capital | — |
| Total equity capital | $83.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.44% |
| Internal capital growth rate | 11.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $562K |
| Common stock surplus | $49.6M |
| Retained earnings | $36.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 8.84% | 6.99% | 6.98% |
| Q4 2023 | 8.91% | 7.80% | 7.80% |
| Q1 2024 | 9.17% | 8.04% | 8.04% |
| Q2 2024 | 9.10% | 7.96% | 7.96% |
| Q3 2024 | 9.22% | 7.94% | 7.94% |
| Q4 2024 | 9.27% | 7.87% | 7.87% |
| Q1 2025 | 9.08% | 7.87% | 7.87% |
| Q2 2025 | 9.41% | 8.40% | 8.40% |
| Q3 2025 | 9.50% | 8.54% | 8.54% |
| Q4 2025 | 9.29% | 8.62% | 8.62% |
| Q1 2026 | 9.31% | 8.03% | 8.03% |
| Q2 2026 | 9.77% | 8.85% | 8.85% |
Western Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western 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 Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1720) · FFIEC NIC profile (RSSD 199463)