Wilson Bank & Trust: 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.7% to -$62.2M. Within Tennessee, Wilson Bank & Trust is 29th of 71 on CET1 ratio, 14.35% as of Q2 2026, above the middle of the field. Wilson Bank & Trust reported 14.35% on CET1 ratio for Q2 2026, 0.87 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 10.85% |
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 | $659.4M |
| Tier 1 capital | $659.4M |
| Total risk-based capital | $716.9M |
| Total equity capital | $603.5M |
| Risk-weighted assets | $4.60B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.09% |
| Tangible equity to tangible assets | 10.00% |
| Equity capital to average assets | 9.92% |
| Internal capital growth rate | 14.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $15.4M |
| Retained earnings | $643.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$62.2M |
| 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 | 12.71% | 12.71% | 13.93% | 10.62% | $3.93B |
| Q4 2023 | 13.26% | 13.26% | 14.51% | 10.57% | $3.85B |
| Q1 2024 | 13.48% | 13.48% | 14.72% | 10.43% | $3.86B |
| Q2 2024 | 13.37% | 13.37% | 14.58% | 10.44% | $3.96B |
| Q3 2024 | 13.10% | 13.11% | 14.33% | 10.39% | $4.14B |
| Q4 2024 | 13.16% | 13.16% | 14.39% | 10.28% | $4.23B |
| Q1 2025 | 13.34% | 13.34% | 14.59% | 10.42% | $4.31B |
| Q2 2025 | 13.31% | 13.31% | 14.56% | 10.36% | $4.41B |
| Q3 2025 | 13.64% | 13.64% | 14.89% | 10.37% | $4.43B |
| Q4 2025 | 14.31% | 14.31% | 15.56% | 10.57% | $4.39B |
| Q1 2026 | 14.29% | 14.29% | 15.54% | 10.70% | $4.46B |
| Q2 2026 | 14.35% | 14.35% | 15.60% | 10.85% | $4.60B |
Wilson Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson Bank & Trust, 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 Wilson Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26962) · FFIEC NIC profile (RSSD 159636)