Bank of New England: 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 Equity capital to average assets: 0.91 percentage points higher than in Q1 2026, at 16.78%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.78% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $282.4M |
| Tier 1 capital | $302.4M |
| Total risk-based capital | — |
| Total equity capital | $302.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.61% |
| Tangible equity to tangible assets | 16.61% |
| Equity capital to average assets | 16.78% |
| Internal capital growth rate | 13.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $5.3M |
| Retained earnings | $274.6M |
| Preferred stock and surplus | $20.0M |
| Accumulated other comprehensive income | -$38K |
| 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 | 16.18% | 17.66% | 18.79% | 17.50% | $1.35B |
| Q4 2023 | 16.43% | 17.88% | 19.07% | 17.63% | $1.38B |
| Q1 2024 | 16.35% | 17.75% | 18.92% | 17.94% | $1.42B |
| Q2 2024 | 16.10% | 17.45% | 18.62% | 18.27% | $1.49B |
| Q3 2024 | 16.58% | 17.91% | 19.05% | 18.13% | $1.49B |
| Q4 2024 | 16.30% | 17.57% | 18.69% | 18.22% | $1.57B |
| Q1 2025 | — | — | — | 16.78% | — |
| Q2 2025 | — | — | — | 16.35% | — |
| Q3 2025 | — | — | — | 16.41% | — |
| Q4 2025 | — | — | — | 16.61% | — |
| Q1 2026 | — | — | — | 15.87% | — |
| Q2 2026 | — | — | — | 16.78% | — |
Bank of New England regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New England, 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 Bank of New England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24540) · FFIEC NIC profile (RSSD 113601)