Wood & Huston 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.7% higher than in Q1 2026, at -$8.0M. Within Missouri, Wood & Huston Bank is 51st of 98 on CET1 ratio, 13.34% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Wood & Huston Bank reported 13.34% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.34% |
| Tier 1 risk-based capital ratio | 13.34% |
| Total risk-based capital ratio | 14.57% |
| Tier 1 leverage ratio | 11.55% |
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 | $143.3M |
| Tier 1 capital | $143.3M |
| Total risk-based capital | $156.6M |
| Total equity capital | $135.2M |
| Risk-weighted assets | $1.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.96% |
| Tangible equity to tangible assets | 10.96% |
| Equity capital to average assets | 10.90% |
| Internal capital growth rate | 16.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $9.9M |
| Retained earnings | $132.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| 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 | 11.79% | 11.79% | 13.04% | 9.77% | $962.5M |
| Q4 2023 | 11.75% | 11.75% | 13.00% | 9.83% | $986.4M |
| Q1 2024 | 11.56% | 11.56% | 12.81% | 9.58% | $993.6M |
| Q2 2024 | 11.85% | 11.85% | 13.10% | 10.11% | $996.6M |
| Q3 2024 | 12.13% | 12.13% | 13.38% | 10.25% | $1.01B |
| Q4 2024 | 11.95% | 11.95% | 13.21% | 9.88% | $1.01B |
| Q1 2025 | 12.43% | 12.43% | 13.68% | 10.00% | $1.00B |
| Q2 2025 | 12.72% | 12.72% | 13.96% | 10.72% | $1.02B |
| Q3 2025 | 13.43% | 13.43% | 14.68% | 11.23% | $1.01B |
| Q4 2025 | 12.61% | 12.61% | 13.84% | 10.80% | $1.05B |
| Q1 2026 | 13.45% | 13.45% | 14.70% | 11.02% | $1.03B |
| Q2 2026 | 13.34% | 13.34% | 14.57% | 11.55% | $1.07B |
Wood & Huston Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wood & Huston 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 Wood & Huston Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1060) · FFIEC NIC profile (RSSD 671558)