Woodlands 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 rose 5.6% from Q1 2026 to Q2 2026, ending at -$7.5M against -$7.9M. It was the largest change among the key lines on this page. Woodlands Bank ranks 61st of 72 Pennsylvania banks on CET1 ratio, in the lower half at 11.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Woodlands Bank sits 3.34 points lower, at 11.73% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 8.86% |
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 | $57.5M |
| Tier 1 capital | $57.5M |
| Total risk-based capital | $62.9M |
| Total equity capital | $50.0M |
| Risk-weighted assets | $490.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.81% |
| Tangible equity to tangible assets | 7.81% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | 13.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.3M |
| Common stock surplus | $5.7M |
| Retained earnings | $44.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.5M |
| 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 | — | — | — | 9.14% | — |
| Q4 2023 | 10.34% | 10.34% | 11.45% | 7.88% | $476.4M |
| Q1 2024 | 10.23% | 10.23% | 11.34% | 7.93% | $482.8M |
| Q2 2024 | 10.27% | 10.27% | 11.39% | 7.94% | $483.9M |
| Q3 2024 | 10.40% | 10.40% | 11.53% | 8.00% | $483.2M |
| Q4 2024 | 10.68% | 10.68% | 11.83% | 8.22% | $477.6M |
| Q1 2025 | 10.94% | 10.94% | 12.14% | 8.43% | $472.8M |
| Q2 2025 | 11.17% | 11.17% | 12.42% | 8.41% | $471.5M |
| Q3 2025 | 11.33% | 11.33% | 12.58% | 8.44% | $474.4M |
| Q4 2025 | 11.47% | 11.47% | 12.72% | 8.57% | $478.7M |
| Q1 2026 | 11.83% | 11.83% | 13.08% | 8.93% | $472.7M |
| Q2 2026 | 11.73% | 11.73% | 12.83% | 8.86% | $490.2M |
Woodlands Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands 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 Woodlands Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33136) · FFIEC NIC profile (RSSD 1479470)