Woodsfield Savings 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%.
Retained earnings rose 3.8% from Q1 2026 to Q2 2026, ending at $7.4M against $7.1M. It was the largest change among the key lines on this page. Woodsfield Savings Bank ranks 45th of 84 Ohio banks on CET1 ratio, in the lower half at 14.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Woodsfield Savings Bank sits 0.84 points lower, at 14.23% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.23% |
| Tier 1 risk-based capital ratio | 14.23% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 8.61% |
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 | $10.6M |
| Tier 1 capital | $10.6M |
| Total risk-based capital | $11.6M |
| Total equity capital | $10.0M |
| Risk-weighted assets | $74.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.15% |
| Tangible equity to tangible assets | 8.15% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 11.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $148K |
| Common stock surplus | $3.1M |
| Retained earnings | $7.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$605K |
| 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 | 15.45% | 15.45% | 16.61% | 9.24% | $61.0M |
| Q4 2023 | 15.81% | 15.81% | 17.03% | 9.18% | $59.2M |
| Q1 2024 | 14.92% | 14.92% | 16.16% | 8.87% | $62.9M |
| Q2 2024 | 14.32% | 14.32% | 15.53% | 8.72% | $65.3M |
| Q3 2024 | 14.32% | 14.32% | 15.57% | 8.72% | $66.0M |
| Q4 2024 | 14.40% | 14.40% | 15.60% | 8.77% | $66.3M |
| Q1 2025 | 14.34% | 14.34% | 15.54% | 8.66% | $67.0M |
| Q2 2025 | 14.45% | 14.45% | 15.70% | 8.57% | $67.6M |
| Q3 2025 | 14.69% | 14.69% | 15.94% | 8.81% | $68.3M |
| Q4 2025 | 14.31% | 14.31% | 15.56% | 8.80% | $70.9M |
| Q1 2026 | 14.35% | 14.35% | 15.61% | 8.72% | $72.3M |
| Q2 2026 | 14.23% | 14.23% | 15.48% | 8.61% | $74.9M |
Woodsfield Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsfield Savings 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 Woodsfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32292) · FFIEC NIC profile (RSSD 97279)