Western Nebraska 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%.
Retained earnings climbed 15.5% in Q2 2026, from $4.6M to $5.4M. 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 | 10.07% |
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 | $18.8M |
| Tier 1 capital | $18.8M |
| Total risk-based capital | — |
| Total equity capital | $16.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.38% |
| Tangible equity to tangible assets | 8.10% |
| Equity capital to average assets | 8.66% |
| Internal capital growth rate | 18.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $13.8M |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 9.41% | 6.81% | 6.46% |
| Q4 2023 | 9.40% | 7.33% | 6.99% |
| Q1 2024 | 9.55% | 7.56% | 7.21% |
| Q2 2024 | 9.66% | 7.62% | 7.28% |
| Q3 2024 | 9.61% | 7.86% | 7.53% |
| Q4 2024 | 9.20% | 7.02% | 6.70% |
| Q1 2025 | 9.70% | 7.49% | 7.16% |
| Q2 2025 | 9.71% | 7.24% | 6.94% |
| Q3 2025 | 9.49% | 7.59% | 7.31% |
| Q4 2025 | 9.09% | 7.73% | 7.45% |
| Q1 2026 | 9.68% | 8.46% | 8.16% |
| Q2 2026 | 10.07% | 8.38% | 8.10% |
Western Nebraska Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Nebraska 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 Nebraska Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1983) · FFIEC NIC profile (RSSD 248352)