The Bank of Canton: 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 Accumulated other comprehensive income: 42.6% higher than in Q1 2026, at -$1.9M. Among 59 Massachusetts banks, The Bank of Canton sits 4th from the top on CET1 ratio, 22.99% as of Q2 2026. The Bank of Canton's CET1 ratio of 22.99% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 7.92 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.99% |
| Tier 1 risk-based capital ratio | 22.99% |
| Total risk-based capital ratio | 24.24% |
| Tier 1 leverage ratio | 14.43% |
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 | $116.1M |
| Tier 1 capital | $116.1M |
| Total risk-based capital | $122.4M |
| Total equity capital | $114.1M |
| Risk-weighted assets | $504.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.59% |
| Tangible equity to tangible assets | 14.59% |
| Equity capital to average assets | 14.19% |
| Internal capital growth rate | 5.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3K |
| Common stock surplus | $10.6M |
| Retained earnings | $105.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 19.57% | 19.57% | 20.82% | 12.61% | $521.7M |
| Q4 2023 | 20.44% | 20.44% | 21.69% | 13.17% | $505.9M |
| Q1 2024 | 20.43% | 20.43% | 21.58% | 13.58% | $512.2M |
| Q2 2024 | 20.94% | 20.94% | 22.10% | 13.47% | $507.6M |
| Q3 2024 | 22.10% | 22.10% | 23.31% | 14.20% | $489.4M |
| Q4 2024 | 22.51% | 22.51% | 23.73% | 14.61% | $486.4M |
| Q1 2025 | 22.96% | 22.96% | 24.20% | 14.81% | $481.8M |
| Q2 2025 | 22.92% | 22.92% | 24.14% | 14.79% | $487.6M |
| Q3 2025 | 22.57% | 22.57% | 23.77% | 14.59% | $501.6M |
| Q4 2025 | 22.35% | 22.35% | 23.53% | 14.73% | $513.2M |
| Q1 2026 | 22.53% | 22.53% | 23.79% | 14.68% | $508.7M |
| Q2 2026 | 22.99% | 22.99% | 24.24% | 14.43% | $504.9M |
The Bank of Canton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Canton, 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 The Bank of Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90175) · FFIEC NIC profile (RSSD 853804)