Bank of Newington: 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 Retained earnings, which rose 4.7% to $27.0M. Bank of Newington has the 4th lowest CET1 ratio of the 79 banks headquartered in Georgia, at 11.35% as of Q2 2026. Bank of Newington reported 11.35% on CET1 ratio for Q2 2026, 3.72 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 | 11.35% |
| Tier 1 risk-based capital ratio | 11.35% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.07% |
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 | $30.0M |
| Tier 1 capital | $30.0M |
| Total risk-based capital | $33.3M |
| Total equity capital | $29.7M |
| Risk-weighted assets | $264.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
| Equity capital to average assets | 9.00% |
| Internal capital growth rate | 16.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $3.0M |
| Retained earnings | $27.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$249K |
| 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 | 11.36% | 11.36% | 12.62% | 8.88% | $184.7M |
| Q4 2023 | 11.48% | 11.48% | 12.73% | 9.08% | $190.8M |
| Q1 2024 | 10.92% | 10.92% | 12.17% | 8.76% | $204.4M |
| Q2 2024 | 11.85% | 11.85% | 13.10% | 8.57% | $197.8M |
| Q3 2024 | 12.27% | 12.27% | 13.53% | 8.90% | $198.5M |
| Q4 2024 | 11.94% | 11.94% | 13.20% | 9.35% | $209.6M |
| Q1 2025 | 11.65% | 11.65% | 12.91% | 9.07% | $219.0M |
| Q2 2025 | 11.72% | 11.72% | 12.98% | 9.16% | $228.1M |
| Q3 2025 | 12.10% | 12.10% | 13.36% | 8.97% | $227.9M |
| Q4 2025 | 11.74% | 11.74% | 13.00% | 9.02% | $239.8M |
| Q1 2026 | 11.24% | 11.24% | 12.50% | 8.90% | $256.2M |
| Q2 2026 | 11.35% | 11.35% | 12.61% | 9.07% | $264.2M |
Bank of Newington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Newington, 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 Newington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5704) · FFIEC NIC profile (RSSD 948531)