Community 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.09 percentage points between Q1 2026 and Q2 2026, to 11.54%.
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 | 13.50% |
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 | $56.5M |
| Tier 1 capital | $56.5M |
| Total risk-based capital | — |
| Total equity capital | $47.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
| Equity capital to average assets | 11.27% |
| Internal capital growth rate | -0.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $58.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.7M |
| 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 | 14.48% | 10.50% | 10.50% |
| Q4 2023 | 14.28% | 10.73% | 10.73% |
| Q1 2024 | 13.92% | 10.53% | 10.53% |
| Q2 2024 | 14.06% | 10.69% | 10.69% |
| Q3 2024 | 14.10% | 11.49% | 11.49% |
| Q4 2024 | 14.10% | 10.96% | 10.96% |
| Q1 2025 | 14.09% | 11.41% | 11.41% |
| Q2 2025 | 14.11% | 11.45% | 11.45% |
| Q3 2025 | 13.68% | 11.59% | 11.59% |
| Q4 2025 | 13.49% | 11.71% | 11.71% |
| Q1 2026 | 13.52% | 11.63% | 11.63% |
| Q2 2026 | 13.50% | 11.54% | 11.54% |
Community Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28841) · FFIEC NIC profile (RSSD 520777)