Westmoreland Federal Savings and Loan Association of Latrobe: 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%.
Equity capital to total assets rose 0.40 percentage points from Q1 2026 to Q2 2026, ending at 27.03% against 26.63%. It was the largest change among the key lines on this page.
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 | 26.92% |
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 | $45.0M |
| Tier 1 capital | $45.0M |
| Total risk-based capital | — |
| Total equity capital | $45.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.03% |
| Tangible equity to tangible assets | 27.03% |
| Equity capital to average assets | 26.91% |
| Internal capital growth rate | 1.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $45.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29K |
| 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 | 26.28% | 26.32% | 26.32% |
| Q4 2023 | 26.53% | 26.29% | 26.29% |
| Q1 2024 | 26.24% | 26.04% | 26.04% |
| Q2 2024 | 26.35% | 26.37% | 26.37% |
| Q3 2024 | 26.41% | 26.47% | 26.47% |
| Q4 2024 | 26.48% | 26.24% | 26.24% |
| Q1 2025 | 26.40% | 26.57% | 26.57% |
| Q2 2025 | 26.87% | 26.78% | 26.78% |
| Q3 2025 | 27.04% | 27.07% | 27.07% |
| Q4 2025 | 26.99% | 26.91% | 26.91% |
| Q1 2026 | 26.68% | 26.63% | 26.63% |
| Q2 2026 | 26.92% | 27.03% | 27.03% |
Westmoreland Federal Savings and Loan Association of Latrobe regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Westmoreland Federal Savings and Loan Association of Latrobe, 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 Westmoreland Federal Savings and Loan Association of Latrobe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30551) · FFIEC NIC profile (RSSD 188177)