Woodlands National 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 6.8% from Q1 2026 to Q2 2026, ending at -$8.7M against -$9.3M. It was the largest change among the key lines on this page. Within Minnesota, Woodlands National Bank is 20th of 161 on CET1 ratio, 23.71% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Woodlands National Bank reported 23.71% on CET1 ratio in Q2 2026, 8.64 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.71% |
| Tier 1 risk-based capital ratio | 23.71% |
| Total risk-based capital ratio | 24.94% |
| Tier 1 leverage ratio | 11.20% |
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 | $37.1M |
| Tier 1 capital | $37.1M |
| Total risk-based capital | $39.0M |
| Total equity capital | $30.6M |
| Risk-weighted assets | $156.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 8.62% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | 3.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $8.8M |
| Retained earnings | $30.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| 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 | 18.55% | 18.55% | 19.80% | 9.83% | $183.9M |
| Q4 2023 | 19.86% | 19.86% | 21.11% | 9.99% | $173.6M |
| Q1 2024 | 20.38% | 20.38% | 21.63% | 9.87% | $170.0M |
| Q2 2024 | 19.95% | 19.95% | 21.20% | 10.15% | $174.7M |
| Q3 2024 | 19.70% | 19.70% | 20.95% | 10.05% | $178.1M |
| Q4 2024 | 20.20% | 20.20% | 21.45% | 10.11% | $175.5M |
| Q1 2025 | 21.68% | 21.68% | 22.93% | 10.94% | $164.0M |
| Q2 2025 | 22.11% | 22.11% | 23.36% | 11.01% | $162.3M |
| Q3 2025 | 21.48% | 21.48% | 22.73% | 10.92% | $169.2M |
| Q4 2025 | 22.72% | 22.72% | 23.97% | 11.02% | $161.0M |
| Q1 2026 | 23.34% | 23.34% | 24.59% | 11.60% | $157.6M |
| Q2 2026 | 23.71% | 23.71% | 24.94% | 11.20% | $156.3M |
Woodlands National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1417) · FFIEC NIC profile (RSSD 980951)