Aroostook County Federal Savings & Loan Association: 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 standout move of Q2 2026 was in Risk-weighted assets: 8.4% higher than in Q1 2026, at $135.7M. Aroostook County Federal Savings & Loan Association ranks 5th of 16 Maine banks on CET1 ratio, in the upper half at 16.04% (Q2 2026). Aroostook County Federal Savings & Loan Association reported 16.04% on CET1 ratio for Q2 2026, 0.97 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.04% |
| Tier 1 risk-based capital ratio | 16.04% |
| Total risk-based capital ratio | 16.69% |
| Tier 1 leverage ratio | 10.39% |
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 | $21.8M |
| Tier 1 capital | $21.8M |
| Total risk-based capital | $22.7M |
| Total equity capital | $21.2M |
| Risk-weighted assets | $135.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
| Equity capital to average assets | 10.10% |
| Internal capital growth rate | 8.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $21.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$616K |
| 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 | 17.11% | 17.11% | 17.98% | 10.33% | $109.5M |
| Q4 2023 | 17.02% | 17.02% | 17.83% | 10.19% | $110.9M |
| Q1 2024 | 17.48% | 17.48% | 18.30% | 10.33% | $108.8M |
| Q2 2024 | 17.55% | 17.55% | 18.34% | 10.24% | $109.2M |
| Q3 2024 | 17.45% | 17.45% | 18.23% | 9.88% | $110.7M |
| Q4 2024 | 17.64% | 17.64% | 18.41% | 9.88% | $111.0M |
| Q1 2025 | 17.67% | 17.67% | 18.41% | 9.97% | $112.5M |
| Q2 2025 | 17.37% | 17.37% | 18.13% | 10.13% | $115.8M |
| Q3 2025 | 17.50% | 17.50% | 18.27% | 10.10% | $117.0M |
| Q4 2025 | 17.44% | 17.44% | 18.17% | 10.24% | $119.8M |
| Q1 2026 | 17.05% | 17.05% | 17.75% | 10.38% | $125.2M |
| Q2 2026 | 16.04% | 16.04% | 16.69% | 10.39% | $135.7M |
Aroostook County Federal Savings & Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Aroostook County Federal Savings & Loan Association, 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 Aroostook County Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29743) · FFIEC NIC profile (RSSD 351878)