Androscoggin 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.28 percentage points to 10.76%. Androscoggin Savings Bank ranks 10th of 16 Maine banks on CET1 ratio, in the lower half at 13.15% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; Androscoggin Savings Bank reported 13.15% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.19% |
| Tier 1 leverage ratio | 10.76% |
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 | $194.2M |
| Tier 1 capital | $194.2M |
| Total risk-based capital | $209.6M |
| Total equity capital | $189.8M |
| Risk-weighted assets | $1.48B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.76% |
| Tangible equity to tangible assets | 10.39% |
| Equity capital to average assets | 10.48% |
| Internal capital growth rate | 7.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $53.5M |
| Retained earnings | $148.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.6M |
| 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 | 11.58% | 11.58% | 12.60% | 9.48% | $1.27B |
| Q4 2023 | 11.22% | 11.22% | 12.18% | 9.46% | $1.33B |
| Q1 2024 | 11.05% | 11.05% | 11.99% | 9.46% | $1.37B |
| Q2 2024 | 11.75% | 11.75% | 12.76% | 9.47% | $1.30B |
| Q3 2024 | 11.66% | 11.66% | 12.66% | 9.52% | $1.33B |
| Q4 2024 | 11.58% | 11.58% | 12.60% | 9.58% | $1.35B |
| Q1 2025 | 11.38% | 11.38% | 12.39% | 9.65% | $1.39B |
| Q2 2025 | 12.90% | 12.90% | 13.92% | 10.50% | $1.41B |
| Q3 2025 | 12.89% | 12.89% | 13.93% | 10.62% | $1.44B |
| Q4 2025 | 12.79% | 12.79% | 13.82% | 10.33% | $1.47B |
| Q1 2026 | 12.91% | 12.91% | 13.94% | 10.77% | $1.48B |
| Q2 2026 | 13.15% | 13.15% | 14.19% | 10.76% | $1.48B |
Androscoggin Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Androscoggin 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 Androscoggin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17751) · FFIEC NIC profile (RSSD 132107)