Bay State 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%.
Compared with Q1 2026, Risk-weighted assets rose 2.5% in Q2 2026 to $448.1M, the biggest move on this page. Bay State Savings Bank has the 4th lowest CET1 ratio of the 59 banks headquartered in Massachusetts, at 11.24% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bay State Savings Bank sits 3.84 points lower, at 11.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.24% |
| Tier 1 risk-based capital ratio | 11.24% |
| Total risk-based capital ratio | 12.26% |
| Tier 1 leverage ratio | 8.82% |
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 | $50.3M |
| Tier 1 capital | $50.3M |
| Total risk-based capital | $54.9M |
| Total equity capital | $52.1M |
| Risk-weighted assets | $448.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.98% |
| Tangible equity to tangible assets | 8.98% |
| Equity capital to average assets | 9.09% |
| Internal capital growth rate | 7.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $1K |
| Retained earnings | $52.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$515K |
| 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 | 11.90% | 11.90% | 13.05% | 8.75% | $390.3M |
| Q4 2023 | 11.73% | 11.73% | 12.92% | 8.45% | $376.1M |
| Q1 2024 | 11.63% | 11.63% | 12.79% | 8.42% | $381.0M |
| Q2 2024 | 12.37% | 12.37% | 13.53% | 8.63% | $376.7M |
| Q3 2024 | 12.56% | 12.56% | 13.71% | 8.46% | $376.0M |
| Q4 2024 | 12.15% | 12.15% | 13.32% | 8.50% | $386.6M |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 8.76% | $364.9M |
| Q2 2025 | 11.75% | 11.75% | 12.90% | 8.80% | $404.7M |
| Q3 2025 | 11.48% | 11.48% | 12.59% | 8.71% | $419.3M |
| Q4 2025 | 11.34% | 11.34% | 12.41% | 8.62% | $431.7M |
| Q1 2026 | 11.32% | 11.32% | 12.37% | 8.72% | $437.0M |
| Q2 2026 | 11.24% | 11.24% | 12.26% | 8.82% | $448.1M |
Bay State Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay State 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 Bay State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)