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%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.14 percentage points between Q1 2026 and Q2 2026, to 9.45%.
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 | 9.15% |
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 | $23.4M |
| Tier 1 capital | $23.4M |
| Total risk-based capital | — |
| Total equity capital | $24.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.45% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 9.40% |
| Internal capital growth rate | -1.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $19.9M |
| Retained earnings | $6.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 12.38% | 12.38% | 13.60% | 8.84% | $168.1M |
| Q4 2023 | 11.75% | 11.75% | 12.90% | 8.94% | $177.7M |
| Q1 2024 | 11.66% | 11.66% | 12.86% | 8.77% | $182.1M |
| Q2 2024 | 11.59% | 11.59% | 12.79% | 8.97% | $183.1M |
| Q3 2024 | 11.60% | 11.60% | 12.77% | 9.01% | $186.0M |
| Q4 2024 | 10.85% | 10.85% | 12.00% | 8.83% | $196.0M |
| Q1 2025 | 11.55% | 11.55% | 12.74% | 9.11% | $190.0M |
| Q2 2025 | 11.67% | 11.67% | 12.87% | 9.05% | $187.2M |
| Q3 2025 | 11.89% | 11.89% | 13.08% | 9.25% | $188.5M |
| Q4 2025 | 11.86% | 11.86% | 13.08% | 9.31% | $191.7M |
| Q1 2026 | — | — | — | 9.24% | — |
| Q2 2026 | — | — | — | 9.15% | — |
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 4778) · FFIEC NIC profile (RSSD 199351)