Blue Foundry Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.93% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 11.93% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 18.94% +12.44 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $286.2M | 286,173 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.51B | 1,510,971 | RCOAA223 |
| Recomputed ratio | 18.94% | numerator / denominator | |
| Filed ratio | 18.94% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.44 pp | $188.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.94% +10.94 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $286.2M | 286,173 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.51B | 1,510,971 | RCOAA223 |
| Recomputed ratio | 18.94% | numerator / denominator | |
| Filed ratio | 18.94% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.94 pp | $165.3M | capital that could be lost first |
Total risk-based capital ratio 19.93% +9.93 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $301.1M | 301,141 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.51B | 1,510,971 | RCOAA223 |
| Recomputed ratio | 19.93% | numerator / denominator | |
| Filed ratio | 19.93% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.93 pp | $150.0M | capital that could be lost first |
Tier 1 leverage ratio 14.64% +9.64 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $286.2M | 286,173 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.95B | 1,954,865 | RCOAA224 |
| Recomputed ratio | 14.64% | numerator / denominator | |
| Filed ratio | 14.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.64 pp | $188.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 136,681 | 136,681 | 122,710 | 122,026 | 121,366 | 120,751 | RCOAP742 |
| Retained earnings | 149,492 | 157,851 | 163,020 | 164,580 | 165,678 | 166,975 | RCOAKW00 |
| Accumulated other comprehensive income | (5,929) | (14,150) | (16,071) | (16,869) | (18,545) | (18,072) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 280,244 | 280,382 | 269,659 | 269,737 | 268,499 | 269,654 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,929 | 14,150 | 16,046 | 16,790 | 18,411 | 17,883 | P859 - P840 |
| Common equity Tier 1 capital | 286,173 | 294,532 | 285,705 | 286,527 | 286,910 | 287,537 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 286,173 | 294,532 | 285,705 | 286,527 | 286,910 | 287,537 | RCOA8274 |
| Tier 2 capital | 14,968 | 15,474 | 15,293 | 14,437 | 13,873 | 13,405 | RCOA5311 |
| Allowance includable in Tier 2 capital | 14,968 | 15,474 | 15,293 | 14,437 | 13,873 | 13,405 | RCOA5310 |
| Total capital | 301,141 | 310,006 | 300,998 | 300,964 | 300,783 | 300,942 | RCOA3792 |
| Total risk-weighted assets | 1,510,971 | 1,595,295 | 1,593,449 | 1,625,090 | 1,584,520 | 1,547,167 | RCOAA223 |
| Average total assets for the leverage ratio | 1,954,865 | 2,180,717 | 2,182,155 | 2,145,403 | 2,124,433 | 2,093,748 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $55.5M | $758K | 1.36% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $85.6M | $21.1M | 24.67% | 1.40% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.15B | $843.8M | 73.34% | 55.84% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $6.6M | $9.9M | 150.00% | 0.66% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $510.4M | $510.4M | 100.00% | 33.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $96.0M | $81.7M | 85.08% | 5.41% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $38.0M | $38.0M | 100.00% | 2.52% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $5.3M | NA | 0.35% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.51B | ties to item 31 ($1.51B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.51B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.51B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 18.94% | 18.94% | 19.93% | 14.64% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.46% | 18.46% | 19.43% | 13.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.93% | 17.93% | 18.89% | 13.09% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 17.63% | 17.63% | 18.52% | 13.36% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.11% | 18.11% | 18.98% | 13.51% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.58% | 18.58% | 19.45% | 13.73% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 19.26% | 19.26% | 20.14% | 13.98% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.84% | 19.84% | 20.76% | 14.11% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 20.24% | 20.24% | 21.16% | 14.51% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 20.12% | 20.12% | 21.08% | 14.46% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 20.13% | 20.13% | 21.12% | 14.31% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 20.26% | 20.26% | 21.25% | 14.22% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Blue Foundry Bank (this bank) | Risk-based | 18.94% | 18.94% | 19.93% | 14.64% | |
| The Citizens National Bank of Meridian | $1.89B | Risk-based | 13.60% | 13.60% | 14.63% | 11.28% |
| The Lowell Five Cent Savings Bank | $1.90B | Risk-based | 16.81% | 16.81% | 18.07% | 12.68% |
| FirstBank Southwest | $1.88B | Risk-based | 14.03% | 14.03% | 15.13% | 11.16% |
| Bank of Bird-In-Hand | $1.91B | Risk-based | 10.76% | 10.76% | 11.39% | 9.82% |
| Anchorage Digital Bank N.A. | $1.87B | CBLR | NA | NA | NA | 57.33% |
| Newtown Savings Bank | $1.87B | Risk-based | 14.63% | 14.63% | 15.89% | 9.48% |
| Kennebec Savings Bank | $1.87B | Risk-based | 17.32% | 17.32% | 18.02% | 13.96% |
| BTC Bank | $1.91B | CBLR | NA | NA | NA | 9.35% |
| BANK7 | $1.91B | Risk-based | 15.18% | 15.18% | 16.36% | 13.88% |
| Peer 25th percentile | 13.81% | 13.81% | 14.88% | 9.82% | ||
| Peer median | 14.63% | 14.63% | 15.89% | 11.28% | ||
| Peer 75th percentile | 16.00% | 16.00% | 17.19% | 13.88% | ||
| This bank's percentile | 100 | 100 | 100 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/797775/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.