Chelsea 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 Accumulated other comprehensive income, which fell 6.2% to -$12.1M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.01% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $33.8M |
| Tier 1 capital | $33.8M |
| Total risk-based capital | — |
| Total equity capital | $22.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 11.06% |
| Equity capital to average assets | 10.53% |
| Internal capital growth rate | 0.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $260K |
| Common stock surplus | $7.3M |
| Retained earnings | $26.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 16.07% | 6.60% | 5.94% |
| Q4 2023 | 16.24% | 8.13% | 7.54% |
| Q1 2024 | 16.19% | 8.40% | 7.84% |
| Q2 2024 | 16.29% | 8.49% | 7.97% |
| Q3 2024 | 16.45% | 10.34% | 9.86% |
| Q4 2024 | 15.88% | 8.90% | 8.45% |
| Q1 2025 | 15.27% | 9.86% | 9.44% |
| Q2 2025 | 15.32% | 9.38% | 9.00% |
| Q3 2025 | 15.68% | 10.55% | 10.21% |
| Q4 2025 | 15.68% | 10.95% | 10.64% |
| Q1 2026 | 16.20% | 11.59% | 11.31% |
| Q2 2026 | 16.01% | 11.31% | 11.06% |
Chelsea Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea 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 Chelsea Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15427) · FFIEC NIC profile (RSSD 771748)