Western National 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, Equity capital to average assets fell 0.61 percentage points in Q2 2026 to 10.40%, the biggest move on this page. Within Minnesota, Western National Bank is 114th of 161 on CET1 ratio, 12.27% as of Q2 2026, below the middle of the field. Western National Bank reported 12.27% on CET1 ratio for Q2 2026, 2.80 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 8.52% |
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 | $11.5M |
| Tier 1 capital | $11.5M |
| Total risk-based capital | $12.4M |
| Total equity capital | $14.3M |
| Risk-weighted assets | $93.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.56% |
| Tangible equity to tangible assets | 8.60% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | 0.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $11.9M |
| Retained earnings | $2.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$84K |
| 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 | 16.45% | 16.45% | 17.52% | 9.79% | $69.4M |
| Q4 2023 | 15.08% | 15.08% | 16.07% | 9.73% | $75.3M |
| Q1 2024 | 16.36% | 16.36% | 17.42% | 9.62% | $69.4M |
| Q2 2024 | 15.12% | 15.12% | 16.12% | 9.57% | $73.4M |
| Q3 2024 | 14.80% | 14.80% | 15.77% | 9.29% | $76.7M |
| Q4 2024 | 14.43% | 14.43% | 15.44% | 9.61% | $79.0M |
| Q1 2025 | — | — | — | 9.80% | — |
| Q2 2025 | 14.55% | 14.55% | 15.47% | 9.81% | $80.0M |
| Q3 2025 | 13.69% | 13.69% | 14.57% | 9.69% | $85.6M |
| Q4 2025 | 14.19% | 14.19% | 15.18% | 9.26% | $81.6M |
| Q1 2026 | 12.63% | 12.63% | 13.56% | 9.04% | $90.9M |
| Q2 2026 | 12.27% | 12.27% | 13.22% | 8.52% | $93.8M |
Western National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5131) · FFIEC NIC profile (RSSD 127055)