Woodsboro 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%.
Risk-weighted assets rose 5.1% from Q1 2026 to Q2 2026, ending at $350.9M against $333.8M. It was the largest change among the key lines on this page. Within Maryland, Woodsboro Bank is 16th of 20 on CET1 ratio, 12.21% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Woodsboro Bank sits 2.86 points lower, at 12.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.21% |
| Tier 1 risk-based capital ratio | 12.21% |
| Total risk-based capital ratio | 13.46% |
| Tier 1 leverage ratio | 8.77% |
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 | $42.8M |
| Tier 1 capital | $42.8M |
| Total risk-based capital | $47.2M |
| Total equity capital | $34.2M |
| Risk-weighted assets | $350.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.08% |
| Tangible equity to tangible assets | 7.08% |
| Equity capital to average assets | 7.01% |
| Internal capital growth rate | 14.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $3.9M |
| Retained earnings | $34.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 11.32% | 11.32% | 12.57% | 7.42% | $279.1M |
| Q4 2023 | 11.57% | 11.57% | 12.79% | 7.57% | $282.2M |
| Q1 2024 | 11.41% | 11.41% | 12.61% | 7.71% | $292.4M |
| Q2 2024 | 11.15% | 11.15% | 12.32% | 7.58% | $305.4M |
| Q3 2024 | 11.45% | 11.45% | 12.64% | 7.55% | $305.2M |
| Q4 2024 | 11.55% | 11.55% | 12.80% | 7.87% | $313.4M |
| Q1 2025 | 11.72% | 11.72% | 12.97% | 8.21% | $317.4M |
| Q2 2025 | 11.93% | 11.93% | 13.18% | 8.19% | $319.2M |
| Q3 2025 | 12.25% | 12.25% | 13.50% | 8.33% | $320.3M |
| Q4 2025 | 12.49% | 12.49% | 13.74% | 8.54% | $323.1M |
| Q1 2026 | 12.47% | 12.47% | 13.72% | 8.76% | $333.8M |
| Q2 2026 | 12.21% | 12.21% | 13.46% | 8.77% | $350.9M |
Woodsboro Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsboro 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 Woodsboro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5873) · FFIEC NIC profile (RSSD 406022)