WSB Municipal 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%.
Equity capital to total assets climbed 0.87 percentage points in Q2 2026, from 14.52% to 15.38%. 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 | 15.23% |
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 | $24.6M |
| Tier 1 capital | $24.6M |
| Total risk-based capital | — |
| Total equity capital | $23.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.38% |
| Tangible equity to tangible assets | 15.38% |
| Equity capital to average assets | 14.52% |
| Internal capital growth rate | 18.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $24.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.75% | 6.16% | 6.16% |
| Q4 2023 | 11.29% | 8.32% | 8.32% |
| Q1 2024 | 11.73% | 8.78% | 8.78% |
| Q2 2024 | 12.26% | 9.65% | 9.65% |
| Q3 2024 | 12.25% | 11.22% | 11.22% |
| Q4 2024 | 12.68% | 11.41% | 11.41% |
| Q1 2025 | 13.33% | 12.22% | 12.22% |
| Q2 2025 | 13.64% | 13.37% | 13.37% |
| Q3 2025 | 13.83% | 14.03% | 14.03% |
| Q4 2025 | 14.56% | 14.72% | 14.72% |
| Q1 2026 | 14.89% | 14.52% | 14.52% |
| Q2 2026 | 15.23% | 15.38% | 15.38% |
WSB Municipal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WSB Municipal 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 WSB Municipal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7274) · FFIEC NIC profile (RSSD 858818)