Western Dakota Bank: 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 9.20% +0.20 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 | $7.9M | 7,935 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $86.3M | 86,263 | RCOAA224 |
| Recomputed ratio | 9.20% | numerator / denominator | |
| Filed ratio | 9.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.20 pp | $171K | 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 | 5,261 | 5,261 | 5,261 | 5,261 | 5,261 | 5,261 | RCOAP742 |
| Retained earnings | 2,674 | 2,775 | 2,580 | 2,266 | 1,985 | 2,167 | RCOAKW00 |
| Accumulated other comprehensive income | (45) | (69) | (47) | (71) | (104) | (146) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,890 | 7,967 | 7,794 | 7,456 | 7,142 | 7,282 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 45 | 69 | 47 | 71 | 104 | 146 | P859 - P840 |
| Common equity Tier 1 capital | 7,935 | 8,036 | 7,841 | 7,527 | 7,246 | 7,428 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 7,935 | 8,036 | 7,841 | 7,527 | 7,246 | 7,428 | 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 | 86,263 | 87,076 | 84,152 | 77,508 | 77,430 | 76,212 | 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 | 9.20% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 9.23% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 9.32% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 9.71% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 9.36% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 9.75% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 9.52% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 9.80% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 9.21% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 9.44% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 9.23% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 9.68% | 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 Dakota Bank (this bank) | CBLR | NA | NA | NA | 9.20% | |
| Bank of Maple Plain | $85.5M | Risk-based | 27.31% | 27.31% | 28.56% | 14.05% |
| Rochelle State Bank | $85.6M | Risk-based | 10.38% | 10.38% | 11.45% | 8.02% |
| Villa Grove State Bank | $85.9M | CBLR | NA | NA | NA | 12.22% |
| Bank of Hancock County | $85.2M | CBLR | NA | NA | NA | 20.15% |
| First Security Bank - Canby | $85.2M | Risk-based | 24.90% | 24.90% | 25.87% | 14.06% |
| Southwest Bank of Weatherford | $86.0M | Risk-based | 25.73% | 25.73% | 26.99% | 13.52% |
| The First National Bank of Gilbert | $86.0M | Risk-based | 12.62% | 12.62% | 13.88% | 7.12% |
| Vantage Bank | $85.0M | Risk-based | 10.12% | 10.12% | 11.37% | 8.47% |
| Peoples Bank | $86.1M | Risk-based | 15.75% | 15.75% | 17.00% | 11.66% |
| Peer 25th percentile | 11.50% | 11.50% | 12.66% | 8.47% | ||
| Peer median | 15.75% | 15.75% | 17.00% | 12.22% | ||
| Peer 75th percentile | 25.32% | 25.32% | 26.43% | 14.05% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/128258/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.