Worthington Federal Savings Bank, F.S.B.: 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%.
The largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 0.76 percentage points to 31.89%. On CET1 ratio, Worthington Federal Savings Bank, F.S.B. ranks 6th highest among the 161 banks headquartered in Minnesota, at 31.06% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Worthington Federal Savings Bank, F.S.B. reported 31.06% on CET1 ratio in Q2 2026, 15.99 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.06% |
| Tier 1 risk-based capital ratio | 31.06% |
| Total risk-based capital ratio | 31.89% |
| Tier 1 leverage ratio | 14.83% |
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 | $20.1M |
| Tier 1 capital | $20.1M |
| Total risk-based capital | $20.6M |
| Total equity capital | $19.8M |
| Risk-weighted assets | $64.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.65% |
| Tangible equity to tangible assets | 14.47% |
| Equity capital to average assets | 14.64% |
| Internal capital growth rate | 4.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$494K |
| 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 | 32.11% | 32.11% | 33.00% | 14.36% | $44.7M |
| Q4 2023 | 33.48% | 33.48% | 34.41% | 14.21% | $42.9M |
| Q1 2024 | 31.99% | 31.99% | 32.87% | 13.78% | $45.1M |
| Q2 2024 | 31.97% | 31.97% | 32.85% | 13.92% | $45.3M |
| Q3 2024 | 32.39% | 32.39% | 33.28% | 13.98% | $44.9M |
| Q4 2024 | 32.11% | 32.11% | 32.99% | 14.12% | $45.5M |
| Q1 2025 | 32.58% | 32.58% | 33.47% | 13.92% | $45.0M |
| Q2 2025 | 32.06% | 32.06% | 32.96% | 13.89% | $46.0M |
| Q3 2025 | 32.16% | 32.16% | 32.98% | 15.52% | $60.7M |
| Q4 2025 | 31.81% | 31.81% | 32.65% | 14.76% | $61.6M |
| Q1 2026 | 30.31% | 30.31% | 31.12% | 14.43% | $65.5M |
| Q2 2026 | 31.06% | 31.06% | 31.89% | 14.83% | $64.6M |
Worthington Federal Savings Bank, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington Federal Savings Bank, F.S.B., 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 Worthington Federal Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29426) · FFIEC NIC profile (RSSD 258874)