Wisdom Heritage 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%.
Accumulated other comprehensive income climbed 11.9% in Q2 2026, from -$9.0M to -$7.9M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Wisdom Heritage Bank is 10th of 71 on CET1 ratio, 20.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Wisdom Heritage Bank sits 5.62 points higher, at 20.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.69% |
| Tier 1 risk-based capital ratio | 20.69% |
| Total risk-based capital ratio | 21.82% |
| Tier 1 leverage ratio | 14.22% |
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 | $86.7M |
| Tier 1 capital | $86.7M |
| Total risk-based capital | $91.5M |
| Total equity capital | $78.8M |
| Risk-weighted assets | $419.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.11% |
| Tangible equity to tangible assets | 13.11% |
| Equity capital to average assets | 12.92% |
| Internal capital growth rate | 7.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $128K |
| Common stock surplus | $19.7M |
| Retained earnings | $67.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 18.69% | 18.69% | 19.95% | 15.21% | $377.5M |
| Q4 2023 | 16.33% | 16.33% | 17.58% | 13.60% | $407.1M |
| Q1 2024 | 16.61% | 16.61% | 17.86% | 13.55% | $418.1M |
| Q2 2024 | 20.68% | 20.68% | 21.93% | 14.53% | $351.4M |
| Q3 2024 | 23.04% | 23.04% | 24.30% | 14.71% | $324.3M |
| Q4 2024 | 20.50% | 20.50% | 21.75% | 14.10% | $400.5M |
| Q1 2025 | 22.33% | 22.33% | 23.59% | 15.10% | $380.6M |
| Q2 2025 | 23.88% | 23.88% | 25.14% | 15.81% | $368.7M |
| Q3 2025 | 22.70% | 22.70% | 23.95% | 16.21% | $398.9M |
| Q4 2025 | 19.66% | 19.66% | 20.76% | 13.68% | $423.3M |
| Q1 2026 | 20.86% | 20.86% | 22.02% | 13.77% | $407.9M |
| Q2 2026 | 20.69% | 20.69% | 21.82% | 14.22% | $419.4M |
Wisdom Heritage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wisdom Heritage 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 Wisdom Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9465) · FFIEC NIC profile (RSSD 246956)