Woodford 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%.
Compared with Q1 2026, Risk-weighted assets rose 4.1% in Q2 2026 to $417.6M, the biggest move on this page. Woodford State Bank has the 4th lowest CET1 ratio of the 85 banks headquartered in Wisconsin, at 10.28% as of Q2 2026. Woodford State Bank reported 10.28% on CET1 ratio for Q2 2026, 4.79 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.28% |
| Tier 1 risk-based capital ratio | 10.28% |
| Total risk-based capital ratio | 10.90% |
| Tier 1 leverage ratio | 8.11% |
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 | $42.9M |
| Tier 1 capital | $42.9M |
| Total risk-based capital | $45.5M |
| Total equity capital | $33.1M |
| Risk-weighted assets | $417.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.33% |
| Tangible equity to tangible assets | 6.14% |
| Equity capital to average assets | 6.24% |
| Internal capital growth rate | -0.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $64K |
| Common stock surplus | $27.4M |
| Retained earnings | $16.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.8M |
| 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 | 10.50% | 10.50% | 11.13% | 8.51% | $337.0M |
| Q4 2023 | 10.67% | 10.67% | 11.27% | 8.48% | $337.9M |
| Q1 2024 | 10.46% | 10.46% | 11.07% | 8.23% | $340.3M |
| Q2 2024 | 10.19% | 10.19% | 10.81% | 8.18% | $347.9M |
| Q3 2024 | 9.63% | 9.63% | 10.25% | 7.69% | $353.0M |
| Q4 2024 | 9.48% | 9.48% | 10.16% | 7.42% | $358.6M |
| Q1 2025 | 9.61% | 9.61% | 10.32% | 7.24% | $359.0M |
| Q2 2025 | 10.22% | 10.22% | 10.90% | 7.63% | $361.4M |
| Q3 2025 | 10.08% | 10.08% | 10.74% | 7.59% | $373.3M |
| Q4 2025 | 10.75% | 10.75% | 11.34% | 8.30% | $395.9M |
| Q1 2026 | 10.70% | 10.70% | 11.32% | 8.22% | $401.0M |
| Q2 2026 | 10.28% | 10.28% | 10.90% | 8.11% | $417.6M |
Woodford State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodford 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 Woodford State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10011) · FFIEC NIC profile (RSSD 93244)