Whitaker Bank, Inc: 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%.
In Q2 2026, Accumulated other comprehensive income edged up by 2.0%, from -$54.4M to -$53.3M, the largest move 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 | 12.89% |
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 | $252.5M |
| Tier 1 capital | $252.5M |
| Total risk-based capital | — |
| Total equity capital | $222.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 10.47% |
| Equity capital to average assets | 11.23% |
| Internal capital growth rate | 3.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.2M |
| Common stock surplus | $91.0M |
| Retained earnings | $181.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$53.3M |
| 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 | 12.42% | 8.98% | 7.85% |
| Q4 2023 | 12.81% | 10.53% | 9.42% |
| Q1 2024 | 13.01% | 10.31% | 9.19% |
| Q2 2024 | 13.23% | 10.67% | 9.55% |
| Q3 2024 | 13.45% | 11.80% | 10.71% |
| Q4 2024 | 13.12% | 10.54% | 9.42% |
| Q1 2025 | 13.16% | 11.01% | 9.92% |
| Q2 2025 | 13.14% | 10.98% | 9.89% |
| Q3 2025 | 13.18% | 11.70% | 10.62% |
| Q4 2025 | 12.79% | 11.69% | 10.60% |
| Q1 2026 | 12.86% | 11.36% | 10.28% |
| Q2 2026 | 12.89% | 11.55% | 10.47% |
Whitaker Bank, Inc regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitaker Bank, Inc, 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 Whitaker Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32912) · FFIEC NIC profile (RSSD 1445943)