Winnsboro State Bank & Trust Company: 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%.
Accumulated other comprehensive income climbed 8.2% in Q2 2026, from -$1.9M to -$1.8M. It was the largest change from Q1 2026 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 | 10.85% |
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 | $45.7M |
| Tier 1 capital | $45.7M |
| Total risk-based capital | — |
| Total equity capital | $45.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.59% |
| Tangible equity to tangible assets | 10.35% |
| Equity capital to average assets | 10.68% |
| Internal capital growth rate | 10.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $17.8M |
| Retained earnings | $28.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 14.71% | 14.71% | 15.83% | 11.08% | $247.2M |
| Q4 2023 | 15.00% | 15.00% | 16.09% | 11.23% | $250.5M |
| Q1 2024 | 15.29% | 15.29% | 16.37% | 11.30% | $251.6M |
| Q2 2024 | 15.27% | 15.27% | 16.32% | 11.33% | $260.8M |
| Q3 2024 | 15.44% | 15.44% | 16.50% | 11.66% | $263.0M |
| Q4 2024 | 15.27% | 15.27% | 16.33% | 11.76% | $261.6M |
| Q1 2025 | 15.17% | 15.17% | 16.19% | 12.18% | $276.0M |
| Q2 2025 | 15.31% | 15.31% | 16.22% | 11.40% | $279.4M |
| Q3 2025 | 14.76% | 14.76% | 15.65% | 11.23% | $296.0M |
| Q4 2025 | 14.06% | 14.06% | 15.05% | 11.23% | $309.4M |
| Q1 2026 | — | — | — | 11.06% | — |
| Q2 2026 | — | — | — | 10.85% | — |
Winnsboro State Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Winnsboro State Bank & Trust Company, 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 Winnsboro State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10533) · FFIEC NIC profile (RSSD 628552)