Westside 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 24.3% higher than in Q1 2026, at $13.5M. Within Iowa, Westside State Bank is 84th of 114 on CET1 ratio, 12.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Westside State Bank sits 2.79 points lower, at 12.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.29% |
| Tier 1 risk-based capital ratio | 12.29% |
| Total risk-based capital ratio | 13.32% |
| Tier 1 leverage ratio | 8.82% |
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 | $23.7M |
| Tier 1 capital | $23.7M |
| Total risk-based capital | $25.7M |
| Total equity capital | $24.2M |
| Risk-weighted assets | $192.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.00% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.97% |
| Internal capital growth rate | 13.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $13.5M |
| Retained earnings | $10.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$286K |
| 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 | 10.35% | 10.35% | 11.12% | 7.70% | $136.1M |
| Q4 2023 | 9.72% | 9.72% | 10.48% | 7.28% | $140.2M |
| Q1 2024 | 10.10% | 10.10% | 10.84% | 7.73% | $148.0M |
| Q2 2024 | 9.47% | 9.47% | 10.18% | 7.34% | $160.4M |
| Q3 2024 | 10.01% | 10.01% | 10.73% | 7.59% | $165.9M |
| Q4 2024 | 10.16% | 10.16% | 10.84% | 7.40% | $163.1M |
| Q1 2025 | 10.31% | 10.31% | 11.02% | 7.63% | $165.8M |
| Q2 2025 | 10.41% | 10.41% | 11.13% | 7.81% | $176.3M |
| Q3 2025 | 10.51% | 10.51% | 11.24% | 7.70% | $182.2M |
| Q4 2025 | 10.59% | 10.59% | 11.50% | 7.75% | $185.8M |
| Q1 2026 | 10.71% | 10.71% | 11.67% | 7.92% | $189.8M |
| Q2 2026 | 12.29% | 12.29% | 13.32% | 8.82% | $192.8M |
Westside State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Westside 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 Westside State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18518) · FFIEC NIC profile (RSSD 972143)