Cape Ann 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.6% to $793.7M. Among 59 Massachusetts banks, Cape Ann Savings Bank sits 3rd from the top on CET1 ratio, 27.40% as of Q2 2026. Cape Ann Savings Bank's CET1 ratio of 27.40% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 13.92 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.40% |
| Tier 1 risk-based capital ratio | 27.40% |
| Total risk-based capital ratio | 28.20% |
| Tier 1 leverage ratio | 20.48% |
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 | $217.5M |
| Tier 1 capital | $217.5M |
| Total risk-based capital | $223.9M |
| Total equity capital | $216.5M |
| Risk-weighted assets | $793.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.24% |
| Tangible equity to tangible assets | 20.24% |
| Equity capital to average assets | 20.39% |
| Internal capital growth rate | 11.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $217.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$920K |
| 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 | 27.56% | 27.56% | 28.42% | 20.32% | $675.0M |
| Q4 2023 | 27.38% | 27.38% | 28.24% | 20.43% | $696.2M |
| Q1 2024 | 27.14% | 27.14% | 27.98% | 20.56% | $722.8M |
| Q2 2024 | 27.01% | 27.01% | 27.86% | 20.17% | $719.4M |
| Q3 2024 | 27.03% | 27.03% | 27.88% | 20.26% | $737.1M |
| Q4 2024 | 26.97% | 26.97% | 27.82% | 19.75% | $732.2M |
| Q1 2025 | 26.76% | 26.76% | 27.60% | 20.33% | $746.4M |
| Q2 2025 | 27.04% | 27.04% | 27.89% | 20.62% | $750.6M |
| Q3 2025 | 27.14% | 27.14% | 27.97% | 20.36% | $765.0M |
| Q4 2025 | 27.16% | 27.16% | 27.98% | 20.46% | $767.5M |
| Q1 2026 | 27.63% | 27.63% | 28.46% | 20.32% | $765.9M |
| Q2 2026 | 27.40% | 27.40% | 28.20% | 20.48% | $793.7M |
Cape Ann Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape Ann 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 Cape Ann Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90203) · FFIEC NIC profile (RSSD 627108)