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.
Compared with Q1 2026, Equity capital to total assets rose 0.27 percentage points in Q2 2026 to 11.22%, the biggest move on this page. Among 20 New Mexico banks, Western Bank sits 3rd from the top on CET1 ratio, 32.97% as of Q2 2026. Western Bank's CET1 ratio of 32.97% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 17.89 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.97% |
| Tier 1 risk-based capital ratio | 32.97% |
| Total risk-based capital ratio | 34.21% |
| Tier 1 leverage ratio | 12.21% |
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 | $39.5M |
| Tier 1 capital | $39.5M |
| Total risk-based capital | $41.0M |
| Total equity capital | $36.6M |
| Risk-weighted assets | $119.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.22% |
| Tangible equity to tangible assets | 11.22% |
| Equity capital to average assets | 11.31% |
| Internal capital growth rate | 9.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $452K |
| Common stock surplus | $4.7M |
| Retained earnings | $34.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 32.32% | 32.32% | 33.58% | 12.66% | $109.8M |
| Q4 2023 | 34.16% | 34.16% | 35.41% | 13.11% | $107.9M |
| Q1 2024 | 36.12% | 36.12% | 37.37% | 12.97% | $104.1M |
| Q2 2024 | 35.06% | 35.06% | 36.31% | 13.40% | $109.2M |
| Q3 2024 | 37.82% | 37.82% | 39.07% | 13.58% | $103.1M |
| Q4 2024 | 36.35% | 36.35% | 37.60% | 13.56% | $109.2M |
| Q1 2025 | 36.79% | 36.79% | 38.04% | 13.51% | $108.9M |
| Q2 2025 | 32.46% | 32.46% | 33.71% | 11.96% | $112.5M |
| Q3 2025 | 32.92% | 32.92% | 34.17% | 11.89% | $113.0M |
| Q4 2025 | 32.46% | 32.46% | 33.70% | 11.74% | $117.0M |
| Q1 2026 | 32.47% | 32.47% | 33.70% | 11.96% | $119.1M |
| Q2 2026 | 32.97% | 32.97% | 34.21% | 12.21% | $119.7M |
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 2249) · FFIEC NIC profile (RSSD 723653)