Wray State 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%.
Accumulated other comprehensive income dropped 41.9% in Q2 2026, from -$1.1M to -$1.5M. 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 | 9.92% |
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 | $30.4M |
| Tier 1 capital | $30.4M |
| Total risk-based capital | — |
| Total equity capital | $31.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.08% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 10.18% |
| Internal capital growth rate | 14.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $10.6M |
| Retained earnings | $22.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 13.29% | 13.29% | 14.54% | 10.34% | $168.5M |
| Q4 2023 | 13.43% | 13.43% | 14.68% | 9.69% | $170.2M |
| Q1 2024 | 13.64% | 13.64% | 14.90% | 9.66% | $173.2M |
| Q2 2024 | 13.36% | 13.36% | 14.61% | 9.46% | $181.2M |
| Q3 2024 | 13.81% | 13.81% | 15.07% | 9.55% | $180.8M |
| Q4 2024 | — | — | — | 9.60% | — |
| Q1 2025 | — | — | — | 9.90% | — |
| Q2 2025 | — | — | — | 9.99% | — |
| Q3 2025 | — | — | — | 10.06% | — |
| Q4 2025 | — | — | — | 9.47% | — |
| Q1 2026 | — | — | — | 9.69% | — |
| Q2 2026 | — | — | — | 9.92% | — |
Wray State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wray State 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 Wray State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22447) · FFIEC NIC profile (RSSD 541754)