Ascendia 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%.
Risk-weighted assets rose 3.5% from Q1 2026 to Q2 2026, ending at $264.0M against $255.0M. It was the largest change among the key lines on this page. Ascendia Bank ranks 20th of 37 New Jersey banks on CET1 ratio, in the lower half at 13.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Ascendia Bank sits 1.40 points lower, at 13.67% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.67% |
| Tier 1 risk-based capital ratio | 13.67% |
| Total risk-based capital ratio | 14.33% |
| Tier 1 leverage ratio | 9.29% |
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 | $36.1M |
| Tier 1 capital | $36.1M |
| Total risk-based capital | $37.8M |
| Total equity capital | $35.9M |
| Risk-weighted assets | $264.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
| Equity capital to average assets | 9.25% |
| Internal capital growth rate | 3.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $36.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$156K |
| 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 | 14.22% | 14.22% | 14.95% | 9.72% | $258.6M |
| Q4 2023 | 14.55% | 14.55% | 15.26% | 9.60% | $253.1M |
| Q1 2024 | 14.10% | 14.10% | 14.80% | 9.58% | $257.2M |
| Q2 2024 | 13.80% | 13.80% | 14.49% | 9.45% | $262.8M |
| Q3 2024 | 13.67% | 13.67% | 14.37% | 9.38% | $264.3M |
| Q4 2024 | 13.39% | 13.39% | 14.08% | 9.30% | $269.1M |
| Q1 2025 | 13.62% | 13.62% | 14.27% | 9.17% | $264.3M |
| Q2 2025 | 13.60% | 13.60% | 14.24% | 9.05% | $261.8M |
| Q3 2025 | 13.45% | 13.45% | 14.09% | 9.11% | $264.1M |
| Q4 2025 | 14.57% | 14.57% | 15.26% | 9.24% | $244.5M |
| Q1 2026 | 14.03% | 14.03% | 14.68% | 9.32% | $255.0M |
| Q2 2026 | 13.67% | 13.67% | 14.33% | 9.29% | $264.0M |
Ascendia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ascendia 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 Ascendia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28729) · FFIEC NIC profile (RSSD 147679)