Cambridge 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%.
Risk-weighted assets rose 2.6% from Q1 2026 to Q2 2026, ending at $5.64B against $5.50B. It was the largest change among the key lines on this page. Within Massachusetts, Cambridge Savings Bank is 43rd of 59 on CET1 ratio, 12.63% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Cambridge Savings Bank sits 0.85 points lower, at 12.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.63% |
| Tier 1 risk-based capital ratio | 12.63% |
| Total risk-based capital ratio | 13.71% |
| 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 | $712.8M |
| Tier 1 capital | $712.8M |
| Total risk-based capital | $773.5M |
| Total equity capital | $711.6M |
| Risk-weighted assets | $5.64B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 9.94% |
| Equity capital to average assets | 10.20% |
| Internal capital growth rate | 3.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $56.8M |
| Retained earnings | $675.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.2M |
| 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 | 10.10% | 10.10% | 11.06% | 8.56% | $5.79B |
| Q4 2023 | 10.73% | 10.73% | 11.74% | 8.86% | $5.67B |
| Q1 2024 | 10.77% | 10.77% | 11.78% | 8.91% | $5.71B |
| Q2 2024 | 10.76% | 10.76% | 11.77% | 8.89% | $5.78B |
| Q3 2024 | 11.08% | 11.08% | 12.20% | 8.90% | $5.65B |
| Q4 2024 | 11.35% | 11.35% | 12.49% | 9.11% | $5.58B |
| Q1 2025 | 11.70% | 11.70% | 12.92% | 9.30% | $5.47B |
| Q2 2025 | 11.74% | 11.74% | 12.69% | 9.47% | $5.53B |
| Q3 2025 | 12.54% | 12.54% | 13.50% | 9.98% | $5.50B |
| Q4 2025 | 12.79% | 12.79% | 13.74% | 10.07% | $5.48B |
| Q1 2026 | 12.83% | 12.83% | 13.84% | 10.25% | $5.50B |
| Q2 2026 | 12.63% | 12.63% | 13.71% | 10.25% | $5.64B |
Cambridge Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cambridge 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 Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17870) · FFIEC NIC profile (RSSD 758703)