Western State 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%.
Accumulated other comprehensive income climbed 25.8% in Q2 2026, from -$6.0M to -$4.5M. It was the largest change from Q1 2026 among the key lines here. Western State Bank ranks 51st of 85 Kansas banks on CET1 ratio, in the lower half at 13.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Western State Bank sits 1.29 points lower, at 13.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.78% |
| Tier 1 risk-based capital ratio | 13.78% |
| Total risk-based capital ratio | 15.04% |
| Tier 1 leverage ratio | 10.69% |
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 | $86.6M |
| Tier 1 capital | $86.6M |
| Total risk-based capital | $94.6M |
| Total equity capital | $82.2M |
| Risk-weighted assets | $628.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.24% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | -1.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $338K |
| Common stock surplus | $2.3M |
| Retained earnings | $84.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 12.93% | 12.93% | 14.18% | 10.62% | $560.6M |
| Q4 2023 | 12.11% | 12.11% | 13.37% | 10.35% | $598.4M |
| Q1 2024 | 12.36% | 12.36% | 13.62% | 10.25% | $602.7M |
| Q2 2024 | 12.45% | 12.45% | 13.70% | 10.65% | $626.4M |
| Q3 2024 | 13.45% | 13.45% | 14.71% | 10.67% | $586.3M |
| Q4 2024 | 13.25% | 13.25% | 14.51% | 10.50% | $611.3M |
| Q1 2025 | 13.61% | 13.61% | 14.87% | 10.56% | $612.6M |
| Q2 2025 | 13.34% | 13.34% | 14.60% | 10.53% | $626.7M |
| Q3 2025 | 13.71% | 13.71% | 14.97% | 10.65% | $619.1M |
| Q4 2025 | 13.60% | 13.60% | 14.86% | 10.59% | $632.7M |
| Q1 2026 | 13.68% | 13.68% | 14.94% | 10.63% | $635.3M |
| Q2 2026 | 13.78% | 13.78% | 15.04% | 10.69% | $628.7M |
Western State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21121) · FFIEC NIC profile (RSSD 988153)