Wheaton College Trust Company, N.A.: 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%.
Common equity tier 1 ratio climbed 1.88 percentage points in Q2 2026, from 831.74% to 833.62%. It was the largest change from Q1 2026 among the key lines here. Wheaton College Trust Company, N.A.'s CET1 ratio of 833.62% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 814.06 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 833.62% |
| Tier 1 risk-based capital ratio | 833.62% |
| Total risk-based capital ratio | 833.62% |
| Tier 1 leverage ratio | 94.70% |
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 | $3.8M |
| Tier 1 capital | $3.8M |
| Total risk-based capital | $3.8M |
| Total equity capital | $3.8M |
| Risk-weighted assets | $461K |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 95.01% |
| Tangible equity to tangible assets | 95.01% |
| Equity capital to average assets | 94.70% |
| Internal capital growth rate | 1.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.2M |
| Retained earnings | $1.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 843.61% | 843.61% | 843.61% | 91.51% | $438K |
| Q4 2023 | 873.93% | 873.93% | 873.93% | 94.23% | $422K |
| Q1 2024 | 794.83% | 794.83% | 794.83% | 95.20% | $464K |
| Q2 2024 | 903.37% | 903.37% | 903.37% | 95.88% | $415K |
| Q3 2024 | 882.63% | 882.63% | 882.63% | 95.58% | $426K |
| Q4 2024 | 954.34% | 954.34% | 954.34% | 95.75% | $392K |
| Q1 2025 | 851.93% | 851.93% | 851.93% | 95.99% | $441K |
| Q2 2025 | 948.48% | 948.48% | 948.48% | 96.65% | $396K |
| Q3 2025 | 878.29% | 878.29% | 878.29% | 97.41% | $433K |
| Q4 2025 | 901.88% | 901.88% | 901.88% | 96.70% | $425K |
| Q1 2026 | 831.74% | 831.74% | 831.74% | 94.94% | $460K |
| Q2 2026 | 833.62% | 833.62% | 833.62% | 94.70% | $461K |
Wheaton College Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wheaton College Trust Company, N.A., 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 Wheaton College Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2960788)