Woodtrust Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.94% +1.94 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $73.3M | 73,322 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $670.5M | 670,527 | RCOAA224 |
| Recomputed ratio | 10.94% | numerator / denominator | |
| Filed ratio | 10.94% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.94 pp | $13.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 33,294 | 33,294 | 33,294 | 33,294 | 33,294 | 33,294 | RCOAP742 |
| Retained earnings | 40,028 | 37,728 | 31,050 | 42,374 | 39,156 | 35,807 | RCOAKW00 |
| Accumulated other comprehensive income | (4,610) | (4,533) | (3,903) | (4,104) | (4,893) | (5,284) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 68,712 | 66,489 | 60,441 | 71,564 | 67,557 | 63,817 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,610 | 4,533 | 3,903 | 4,104 | 4,893 | 5,284 | P859 - P840 |
| Common equity Tier 1 capital | 73,322 | 71,022 | 64,344 | 75,668 | 72,450 | 69,101 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 73,322 | 71,022 | 64,344 | 75,668 | 72,450 | 69,101 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 670,527 | 670,917 | 646,977 | 652,461 | 635,048 | 646,022 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.94% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.59% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.95% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.60% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.41% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.70% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.73% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.23% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.02% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.95% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.69% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Woodtrust Bank (this bank) | CBLR | NA | NA | NA | 10.94% | |
| FNB South | $734.8M | Risk-based | 22.90% | 22.90% | 24.18% | 16.24% |
| Peoples Community Bank | $735.2M | CBLR | NA | NA | NA | 18.54% |
| Chippewa Valley Bank | $735.8M | Risk-based | 12.30% | 12.30% | 13.21% | 8.74% |
| Lake Shore Bank | $735.9M | CBLR | NA | NA | NA | 17.43% |
| First Neighbor Bank, N.A. | $736.0M | CBLR | NA | NA | NA | 10.62% |
| Nano Banc | $736.2M | Risk-based | 7.83% | 7.83% | 9.11% | 5.04% |
| Homebank | $733.3M | CBLR | NA | NA | NA | 9.61% |
| First Midwest Bank of the Ozarks | $733.2M | CBLR | NA | NA | NA | 10.85% |
| Midwest Bank | $736.4M | Risk-based | 14.20% | 14.20% | 15.43% | 8.80% |
| Countybank | $733.0M | Risk-based | 14.78% | 14.78% | 15.61% | 8.72% |
| Peer 25th percentile | 12.30% | 12.30% | 13.21% | 8.76% | ||
| Peer median | 14.20% | 14.20% | 15.43% | 10.11% | ||
| Peer 75th percentile | 14.78% | 14.78% | 15.61% | 14.89% | ||
| This bank's percentile | NA | NA | NA | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/833749/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.