Bankgloucester: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged up 0.45 percentage points between Q1 2026 and Q2 2026, to 14.73%. Within Massachusetts, Bankgloucester is 36th of 59 on CET1 ratio, 13.48% as of Q2 2026. Bankgloucester reported 13.48% on CET1 ratio for Q2 2026, 1.61 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.48% |
| Tier 1 risk-based capital ratio | 13.48% |
| Total risk-based capital ratio | 14.73% |
| Tier 1 leverage ratio | 8.70% |
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 | $33.3M |
| Tier 1 capital | $33.3M |
| Total risk-based capital | $36.4M |
| Total equity capital | $32.6M |
| Risk-weighted assets | $247.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 8.51% |
| Internal capital growth rate | 5.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $32.5M |
| Retained earnings | $820K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$734K |
| 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 | 11.52% | 11.52% | 12.75% | 7.82% | $261.9M |
| Q4 2023 | 11.89% | 11.89% | 13.14% | 8.15% | $257.4M |
| Q1 2024 | 11.94% | 11.94% | 13.19% | 8.33% | $257.1M |
| Q2 2024 | 12.12% | 12.12% | 13.37% | 8.34% | $253.4M |
| Q3 2024 | 11.99% | 11.99% | 13.24% | 8.29% | $257.2M |
| Q4 2024 | 12.13% | 12.13% | 13.38% | 8.24% | $256.1M |
| Q1 2025 | 12.12% | 12.12% | 13.38% | 8.24% | $257.8M |
| Q2 2025 | 11.98% | 11.98% | 13.23% | 8.20% | $263.4M |
| Q3 2025 | 12.22% | 12.22% | 13.48% | 8.18% | $261.8M |
| Q4 2025 | 12.21% | 12.21% | 13.47% | 8.27% | $265.8M |
| Q1 2026 | 13.03% | 13.03% | 14.28% | 8.53% | $252.3M |
| Q2 2026 | 13.48% | 13.48% | 14.73% | 8.70% | $247.0M |
Bankgloucester regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankgloucester, 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 Bankgloucester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26536) · FFIEC NIC profile (RSSD 331375)