Bangor 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 Risk-weighted assets, which rose 3.5% to $5.77B. On CET1 ratio, Bangor Savings Bank is 1st from the bottom among 16 Maine banks, 10.38% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bangor Savings Bank sits 3.09 points lower, at 10.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.38% |
| Tier 1 risk-based capital ratio | 10.38% |
| Total risk-based capital ratio | 11.14% |
| Tier 1 leverage ratio | 7.79% |
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 | $599.2M |
| Tier 1 capital | $599.2M |
| Total risk-based capital | $642.8M |
| Total equity capital | $539.6M |
| Risk-weighted assets | $5.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.97% |
| Tangible equity to tangible assets | 6.10% |
| Equity capital to average assets | 6.96% |
| Internal capital growth rate | 7.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $95.2M |
| Retained earnings | $571.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$126.8M |
| 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 | 10.95% | 10.95% | 11.66% | 7.25% | $4.92B |
| Q4 2023 | 11.12% | 11.12% | 11.80% | 7.37% | $4.91B |
| Q1 2024 | 10.96% | 10.96% | 11.65% | 7.41% | $4.98B |
| Q2 2024 | 10.73% | 10.73% | 11.40% | 7.46% | $5.11B |
| Q3 2024 | 10.89% | 10.89% | 11.53% | 7.47% | $5.09B |
| Q4 2024 | 10.50% | 10.50% | 11.12% | 7.62% | $5.30B |
| Q1 2025 | 10.69% | 10.69% | 11.36% | 7.62% | $5.23B |
| Q2 2025 | 10.41% | 10.41% | 11.15% | 7.61% | $5.39B |
| Q3 2025 | 10.63% | 10.63% | 11.35% | 7.75% | $5.35B |
| Q4 2025 | 10.62% | 10.62% | 11.34% | 7.95% | $5.51B |
| Q1 2026 | 10.58% | 10.58% | 11.35% | 7.97% | $5.58B |
| Q2 2026 | 10.38% | 10.38% | 11.14% | 7.79% | $5.77B |
Bangor Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bangor 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 Bangor Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18408) · FFIEC NIC profile (RSSD 419406)