Auburn Savings Bank, FSB: 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 Risk-weighted assets, which rose 5.8% to $71.7M. Auburn Savings Bank, FSB has the 2nd lowest CET1 ratio of the 16 banks headquartered in Maine, at 11.84% as of Q2 2026. Auburn Savings Bank, FSB reported 11.84% on CET1 ratio for Q2 2026, 3.23 points below 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 | 11.84% |
| Tier 1 risk-based capital ratio | 11.84% |
| Total risk-based capital ratio | 12.99% |
| Tier 1 leverage ratio | 8.03% |
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 | $8.5M |
| Tier 1 capital | $8.5M |
| Total risk-based capital | $9.3M |
| Total equity capital | $6.9M |
| Risk-weighted assets | $71.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.64% |
| Tangible equity to tangible assets | 6.64% |
| Equity capital to average assets | 6.49% |
| Internal capital growth rate | 1.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $940K |
| Common stock surplus | $0 |
| Retained earnings | $7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 12.02% | 12.02% | 13.27% | 7.91% | $67.0M |
| Q4 2023 | 11.57% | 11.57% | 12.82% | 7.87% | $69.2M |
| Q1 2024 | 12.49% | 12.49% | 13.74% | 7.70% | $64.3M |
| Q2 2024 | 11.91% | 11.91% | 13.16% | 7.86% | $67.7M |
| Q3 2024 | 12.13% | 12.13% | 13.38% | 7.90% | $66.5M |
| Q4 2024 | 11.83% | 11.83% | 13.03% | 7.82% | $68.0M |
| Q1 2025 | 12.17% | 12.17% | 13.40% | 7.99% | $66.5M |
| Q2 2025 | 11.99% | 11.99% | 13.18% | 7.97% | $68.1M |
| Q3 2025 | 12.40% | 12.40% | 13.62% | 8.11% | $66.8M |
| Q4 2025 | 12.43% | 12.43% | 13.64% | 8.17% | $67.5M |
| Q1 2026 | 12.49% | 12.49% | 13.70% | 8.29% | $67.7M |
| Q2 2026 | 11.84% | 11.84% | 12.99% | 8.03% | $71.7M |
Auburn Savings Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Savings Bank, FSB, 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 Auburn Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28288) · FFIEC NIC profile (RSSD 229173)