Community Partners 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.3% in Q2 2026 to -$6.0M, the biggest move on this page. Within Illinois, Community Partners Savings Bank is 21st of 198 on CET1 ratio, 24.71% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Community Partners Savings Bank reported 24.71% on CET1 ratio in Q2 2026, 9.63 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.71% |
| Tier 1 risk-based capital ratio | 24.71% |
| Total risk-based capital ratio | 25.29% |
| Tier 1 leverage ratio | 11.88% |
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 | $34.5M |
| Tier 1 capital | $34.5M |
| Total risk-based capital | $35.3M |
| Total equity capital | $29.7M |
| Risk-weighted assets | $139.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.28% |
| Tangible equity to tangible assets | 9.98% |
| Equity capital to average assets | 10.16% |
| Internal capital growth rate | 6.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $12.3M |
| Retained earnings | $23.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 21.43% | 21.43% | 22.12% | 11.30% | $125.0M |
| Q4 2023 | 20.75% | 20.75% | 21.41% | 11.26% | $129.9M |
| Q1 2024 | 20.64% | 20.64% | 21.30% | 10.94% | $130.8M |
| Q2 2024 | 20.66% | 20.66% | 21.33% | 10.90% | $131.3M |
| Q3 2024 | 20.99% | 20.99% | 21.67% | 10.86% | $130.2M |
| Q4 2024 | 22.30% | 22.30% | 22.73% | 11.28% | $143.2M |
| Q1 2025 | 23.36% | 23.36% | 23.81% | 11.59% | $137.9M |
| Q2 2025 | 22.90% | 22.90% | 23.35% | 11.52% | $142.2M |
| Q3 2025 | 23.63% | 23.63% | 24.12% | 11.68% | $139.6M |
| Q4 2025 | 23.74% | 23.74% | 24.26% | 11.75% | $140.3M |
| Q1 2026 | 24.73% | 24.73% | 25.29% | 11.68% | $137.0M |
| Q2 2026 | 24.71% | 24.71% | 25.29% | 11.88% | $139.7M |
Community Partners Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Partners 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 Community Partners Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30819) · FFIEC NIC profile (RSSD 441078)