Central 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: 17.1% higher than in Q1 2026, at -$4.2M. Central Savings Bank ranks 21st of 43 Michigan banks on CET1 ratio, in the upper half at 14.54% (Q2 2026). Central Savings Bank reported 14.54% on CET1 ratio for Q2 2026, 0.54 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.76% |
| Tier 1 leverage ratio | 9.54% |
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 | $49.2M |
| Tier 1 capital | $49.2M |
| Total risk-based capital | $53.4M |
| Total equity capital | $45.1M |
| Risk-weighted assets | $338.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.72% |
| Tangible equity to tangible assets | 8.72% |
| Equity capital to average assets | 8.74% |
| Internal capital growth rate | 10.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $20.9M |
| Retained earnings | $27.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 15.31% | 15.31% | 16.56% | 8.68% | $252.4M |
| Q4 2023 | 14.45% | 14.45% | 15.70% | 8.04% | $250.3M |
| Q1 2024 | 15.16% | 15.16% | 16.38% | 8.52% | $254.7M |
| Q2 2024 | 14.64% | 14.64% | 15.75% | 8.39% | $269.8M |
| Q3 2024 | 14.76% | 14.76% | 15.92% | 8.34% | $270.9M |
| Q4 2024 | 14.27% | 14.27% | 15.41% | 8.46% | $284.7M |
| Q1 2025 | 14.85% | 14.85% | 16.03% | 8.88% | $287.2M |
| Q2 2025 | 13.53% | 13.53% | 14.71% | 9.14% | $318.9M |
| Q3 2025 | 14.08% | 14.08% | 15.32% | 9.33% | $320.6M |
| Q4 2025 | 14.06% | 14.06% | 15.31% | 9.25% | $322.4M |
| Q1 2026 | 14.62% | 14.62% | 15.87% | 9.64% | $328.8M |
| Q2 2026 | 14.54% | 14.54% | 15.76% | 9.54% | $338.8M |
Central Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1095) · FFIEC NIC profile (RSSD 382050)