Canton Co-Operative 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, Equity capital to average assets rose 0.29 percentage points in Q2 2026 to 13.95%, the biggest move on this page. On CET1 ratio, Canton Co-Operative Bank ranks 5th highest among the 59 banks headquartered in Massachusetts, at 22.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Canton Co-Operative Bank sits 7.21 points higher, at 22.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.29% |
| Tier 1 risk-based capital ratio | 22.29% |
| Total risk-based capital ratio | 22.96% |
| Tier 1 leverage ratio | 15.25% |
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 | $23.5M |
| Tier 1 capital | $23.5M |
| Total risk-based capital | $24.2M |
| Total equity capital | $21.5M |
| Risk-weighted assets | $105.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.90% |
| Tangible equity to tangible assets | 13.90% |
| Equity capital to average assets | 13.95% |
| Internal capital growth rate | 3.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $23.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 23.74% | 23.74% | 24.37% | 14.58% | $94.5M |
| Q4 2023 | 22.91% | 22.91% | 23.51% | 14.76% | $98.4M |
| Q1 2024 | 23.59% | 23.59% | 24.21% | 14.73% | $95.7M |
| Q2 2024 | 24.04% | 24.04% | 24.70% | 14.63% | $94.4M |
| Q3 2024 | 25.34% | 25.34% | 26.03% | 14.44% | $90.2M |
| Q4 2024 | 24.35% | 24.35% | 25.01% | 14.56% | $94.3M |
| Q1 2025 | 23.82% | 23.82% | 24.47% | 14.39% | $96.2M |
| Q2 2025 | 23.37% | 23.37% | 24.02% | 14.31% | $98.3M |
| Q3 2025 | 22.54% | 22.54% | 23.17% | 14.48% | $102.4M |
| Q4 2025 | 22.56% | 22.56% | 23.19% | 14.54% | $103.0M |
| Q1 2026 | 22.59% | 22.59% | 23.22% | 15.04% | $103.4M |
| Q2 2026 | 22.29% | 22.29% | 22.96% | 15.25% | $105.6M |
Canton Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Canton Co-Operative 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 Canton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26450) · FFIEC NIC profile (RSSD 379470)