Bluestone 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%.
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.
Compared with Q1 2026, Retained earnings rose 3.3% in Q2 2026 to $63.4M, the biggest move on this page. Within Massachusetts, Bluestone Bank is 39th of 59 on CET1 ratio, 13.29% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; Bluestone Bank reported 13.29% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.29% |
| Tier 1 risk-based capital ratio | 13.29% |
| Total risk-based capital ratio | 14.00% |
| Tier 1 leverage ratio | 9.52% |
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 | $158.2M |
| Tier 1 capital | $158.2M |
| Total risk-based capital | $166.6M |
| Total equity capital | $131.8M |
| Risk-weighted assets | $1.19B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.13% |
| Tangible equity to tangible assets | 8.07% |
| Equity capital to average assets | 7.93% |
| Internal capital growth rate | 6.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $95.8M |
| Retained earnings | $63.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.3M |
| 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 | 13.25% | 13.25% | 14.04% | 9.37% | $1.08B |
| Q4 2023 | 13.26% | 13.26% | 14.06% | 9.34% | $1.09B |
| Q1 2024 | 13.26% | 13.26% | 14.06% | 9.35% | $1.10B |
| Q2 2024 | 13.42% | 13.42% | 14.21% | 9.35% | $1.09B |
| Q3 2024 | 13.35% | 13.35% | 14.13% | 9.41% | $1.11B |
| Q4 2024 | 13.16% | 13.16% | 13.87% | 9.25% | $1.13B |
| Q1 2025 | — | — | — | 9.29% | — |
| Q2 2025 | — | — | — | 9.36% | — |
| Q3 2025 | — | — | — | 9.47% | — |
| Q4 2025 | — | — | — | 9.60% | — |
| Q1 2026 | 12.75% | 12.75% | 13.46% | 9.56% | $1.22B |
| Q2 2026 | 13.29% | 13.29% | 14.00% | 9.52% | $1.19B |
Bluestone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bluestone 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 Bluestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90169) · FFIEC NIC profile (RSSD 699105)