Brattleboro Savings & Loan Association: 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%.
In Q2 2026, Common equity Tier 1 capital edged up by 2.1%, from $29.5M to $30.1M, the largest move among the key lines here. Within Vermont, Brattleboro Savings & Loan Association is 6th of 10 on CET1 ratio, 15.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Brattleboro Savings & Loan Association sits 0.86 points higher, at 15.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.93% |
| Tier 1 risk-based capital ratio | 15.93% |
| Total risk-based capital ratio | 17.09% |
| Tier 1 leverage ratio | 10.25% |
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 | $30.1M |
| Tier 1 capital | $30.1M |
| Total risk-based capital | $32.3M |
| Total equity capital | $29.9M |
| Risk-weighted assets | $188.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.09% |
| Tangible equity to tangible assets | 10.09% |
| Equity capital to average assets | 10.19% |
| Internal capital growth rate | 8.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $30.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$196K |
| 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 | 15.24% | 15.24% | 16.49% | 8.53% | $157.2M |
| Q4 2023 | 15.35% | 15.35% | 16.60% | 8.69% | $159.0M |
| Q1 2024 | 15.65% | 15.65% | 16.90% | 8.97% | $159.4M |
| Q2 2024 | 15.49% | 15.49% | 16.74% | 9.02% | $164.2M |
| Q3 2024 | 16.48% | 16.48% | 17.73% | 9.26% | $159.7M |
| Q4 2024 | 16.60% | 16.60% | 17.85% | 9.42% | $162.5M |
| Q1 2025 | 16.92% | 16.92% | 18.18% | 9.57% | $162.4M |
| Q2 2025 | 16.74% | 16.74% | 17.99% | 10.01% | $168.6M |
| Q3 2025 | 16.61% | 16.61% | 17.86% | 10.03% | $172.6M |
| Q4 2025 | 16.28% | 16.28% | 17.53% | 10.15% | $178.0M |
| Q1 2026 | 15.93% | 15.93% | 17.12% | 10.35% | $185.0M |
| Q2 2026 | 15.93% | 15.93% | 17.09% | 10.25% | $188.9M |
Brattleboro Savings & Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Brattleboro Savings & Loan Association, 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 Brattleboro Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28837) · FFIEC NIC profile (RSSD 580874)