Woodruff Federal Savings and Loan Association: 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%.
Equity capital to average assets dropped 0.85 percentage points in Q2 2026, from 32.58% to 31.72%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 31.47% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $33.3M |
| Tier 1 capital | $33.3M |
| Total risk-based capital | — |
| Total equity capital | $33.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 32.35% |
| Tangible equity to tangible assets | 32.35% |
| Equity capital to average assets | 31.72% |
| Internal capital growth rate | 1.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $33.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 33.11% | 34.40% | 34.40% |
| Q4 2023 | 33.36% | 34.61% | 34.61% |
| Q1 2024 | 33.76% | 35.38% | 35.38% |
| Q2 2024 | 33.66% | 34.29% | 34.29% |
| Q3 2024 | 32.45% | 33.72% | 33.72% |
| Q4 2024 | 32.83% | 34.81% | 34.81% |
| Q1 2025 | 33.26% | 34.50% | 34.50% |
| Q2 2025 | 33.02% | 34.52% | 34.52% |
| Q3 2025 | 33.19% | 34.28% | 34.28% |
| Q4 2025 | 33.13% | 34.22% | 34.22% |
| Q1 2026 | 32.32% | 33.05% | 33.05% |
| Q2 2026 | 31.47% | 32.35% | 32.35% |
Woodruff Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodruff Federal Savings and Loan Association, 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 Woodruff Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29238) · FFIEC NIC profile (RSSD 661474)