Clinton 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%.
In Q2 2026, Risk-weighted assets edged up by 1.9%, from $518.0M to $527.9M, the largest move among the key lines here. Within Massachusetts, Clinton Savings Bank is 35th of 59 on CET1 ratio, 13.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Clinton Savings Bank sits 1.45 points lower, at 13.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.63% |
| Tier 1 risk-based capital ratio | 13.63% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 9.65% |
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 | $71.9M |
| Tier 1 capital | $71.9M |
| Total risk-based capital | $78.3M |
| Total equity capital | $59.4M |
| Risk-weighted assets | $527.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 7.96% |
| Internal capital growth rate | 4.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $0 |
| Retained earnings | $73.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.4M |
| 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 | 15.66% | 15.66% | 16.77% | 10.93% | $509.0M |
| Q4 2023 | 16.09% | 16.09% | 17.18% | 11.00% | $499.8M |
| Q1 2024 | 15.94% | 15.94% | 17.07% | 10.97% | $505.3M |
| Q2 2024 | 14.89% | 14.89% | 16.14% | 10.52% | $529.8M |
| Q3 2024 | 14.76% | 14.76% | 16.01% | 10.33% | $537.7M |
| Q4 2024 | 14.78% | 14.78% | 16.03% | 10.27% | $531.7M |
| Q1 2025 | 14.69% | 14.69% | 15.94% | 10.27% | $531.2M |
| Q2 2025 | 14.86% | 14.86% | 16.12% | 10.41% | $531.6M |
| Q3 2025 | 14.44% | 14.44% | 15.70% | 10.12% | $533.8M |
| Q4 2025 | 13.91% | 13.91% | 15.16% | 9.58% | $523.0M |
| Q1 2026 | 13.75% | 13.75% | 15.00% | 9.55% | $518.0M |
| Q2 2026 | 13.63% | 13.63% | 14.84% | 9.65% | $527.9M |
Clinton Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton 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 Clinton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90181) · FFIEC NIC profile (RSSD 179700)