Wilson 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.51 percentage points to 8.50%. Wilson State Bank ranks 64th of 86 Kansas banks on CET1 ratio, in the lower half at 12.52% (Q2 2026). Wilson State Bank reported 12.52% on CET1 ratio for Q2 2026, 2.56 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.52% |
| Tier 1 risk-based capital ratio | 12.52% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.48% |
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 | $11.8M |
| Tier 1 capital | $11.8M |
| Total risk-based capital | $12.5M |
| Total equity capital | $10.5M |
| Risk-weighted assets | $94.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.50% |
| Tangible equity to tangible assets | 7.89% |
| Equity capital to average assets | 8.38% |
| Internal capital growth rate | 10.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $6.2M |
| Retained earnings | $6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 10.96% | 10.96% | 11.88% | 8.06% | $90.1M |
| Q4 2023 | 11.34% | 11.34% | 12.28% | 8.31% | $87.8M |
| Q1 2024 | 11.71% | 11.71% | 12.68% | 8.51% | $86.0M |
| Q2 2024 | 11.89% | 11.89% | 12.87% | 8.84% | $86.3M |
| Q3 2024 | 11.96% | 11.96% | 12.94% | 8.77% | $87.7M |
| Q4 2024 | 12.20% | 12.20% | 13.19% | 8.74% | $87.3M |
| Q1 2025 | 12.14% | 12.14% | 13.12% | 8.94% | $89.0M |
| Q2 2025 | 12.49% | 12.49% | 13.48% | 9.20% | $88.6M |
| Q3 2025 | 12.53% | 12.53% | 13.51% | 9.18% | $89.5M |
| Q4 2025 | 12.74% | 12.74% | 13.74% | 9.37% | $88.8M |
| Q1 2026 | 12.54% | 12.54% | 13.39% | 9.28% | $91.6M |
| Q2 2026 | 12.52% | 12.52% | 13.31% | 9.48% | $94.0M |
Wilson State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson 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 Wilson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12136) · FFIEC NIC profile (RSSD 501655)