Woodland 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 4.3% to $140.6M. On CET1 ratio, Woodland Bank is 12th from the bottom among 161 Minnesota banks, 10.64% (Q2 2026). Woodland Bank reported 10.64% on CET1 ratio for Q2 2026, 4.44 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 | 10.64% |
| Tier 1 risk-based capital ratio | 10.64% |
| Total risk-based capital ratio | 11.60% |
| Tier 1 leverage ratio | 8.59% |
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 | $15.0M |
| Tier 1 capital | $15.0M |
| Total risk-based capital | $16.3M |
| Total equity capital | $14.4M |
| Risk-weighted assets | $140.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.14% |
| Tangible equity to tangible assets | 8.14% |
| Equity capital to average assets | 8.29% |
| Internal capital growth rate | 13.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $112K |
| Common stock surplus | $13.4M |
| Retained earnings | $1.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$509K |
| 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 | 11.22% | 11.22% | 12.27% | 8.82% | $116.5M |
| Q4 2023 | 11.50% | 11.50% | 12.52% | 9.15% | $116.8M |
| Q1 2024 | 11.02% | 11.02% | 12.03% | 8.83% | $119.6M |
| Q2 2024 | 10.96% | 10.96% | 11.95% | 8.61% | $122.2M |
| Q3 2024 | 11.15% | 11.15% | 12.14% | 8.63% | $122.4M |
| Q4 2024 | 11.39% | 11.39% | 12.38% | 8.79% | $122.5M |
| Q1 2025 | 11.22% | 11.22% | 12.23% | 8.60% | $122.2M |
| Q2 2025 | 11.00% | 11.00% | 11.99% | 8.72% | $127.4M |
| Q3 2025 | 10.94% | 10.94% | 11.91% | 8.53% | $131.0M |
| Q4 2025 | 11.06% | 11.06% | 11.99% | 8.79% | $133.1M |
| Q1 2026 | 10.75% | 10.75% | 11.70% | 8.51% | $134.8M |
| Q2 2026 | 10.64% | 10.64% | 11.60% | 8.59% | $140.6M |
Woodland Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodland 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 Woodland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8863) · FFIEC NIC profile (RSSD 788652)