Bristol County 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.8% lower than in Q1 2026, at -$8.2M. Within Massachusetts, Bristol County Savings Bank is 12th of 59 on CET1 ratio, 17.84% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bristol County Savings Bank sits 4.36 points higher, at 17.84% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.84% |
| Tier 1 risk-based capital ratio | 17.84% |
| Total risk-based capital ratio | 18.94% |
| Tier 1 leverage ratio | 14.40% |
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 | $460.3M |
| Tier 1 capital | $460.3M |
| Total risk-based capital | $488.7M |
| Total equity capital | $469.0M |
| Risk-weighted assets | $2.58B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.39% |
| Tangible equity to tangible assets | 13.94% |
| Equity capital to average assets | 14.63% |
| Internal capital growth rate | 3.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $34.0M |
| Retained earnings | $442.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 13.60% | 13.60% | 14.36% | 12.73% | $2.95B |
| Q4 2023 | 14.26% | 14.26% | 15.07% | 13.32% | $2.92B |
| Q1 2024 | 18.65% | 18.65% | 19.67% | 13.75% | $2.29B |
| Q2 2024 | 17.80% | 17.80% | 18.79% | 13.53% | $2.41B |
| Q3 2024 | 18.02% | 18.02% | 19.02% | 13.85% | $2.40B |
| Q4 2024 | 18.34% | 18.34% | 19.39% | 13.99% | $2.35B |
| Q1 2025 | 18.82% | 18.82% | 19.92% | 14.22% | $2.31B |
| Q2 2025 | 18.27% | 18.27% | 19.39% | 14.47% | $2.41B |
| Q3 2025 | 18.21% | 18.21% | 19.40% | 14.15% | $2.45B |
| Q4 2025 | 17.78% | 17.78% | 18.89% | 14.40% | $2.53B |
| Q1 2026 | 18.08% | 18.08% | 19.17% | 14.43% | $2.52B |
| Q2 2026 | 17.84% | 17.84% | 18.94% | 14.40% | $2.58B |
Bristol County Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol County 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 Bristol County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23622) · FFIEC NIC profile (RSSD 13103)