Compass 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 Total risk-based capital ratio, which fell 0.67 percentage points to 15.33%. Within Pennsylvania, Compass Savings Bank is 34th of 72 on CET1 ratio, 14.17% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Compass Savings Bank sits 5.39 points lower, at 14.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.17% |
| Tier 1 risk-based capital ratio | 14.17% |
| Total risk-based capital ratio | 15.33% |
| Tier 1 leverage ratio | 7.29% |
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 | $3.9M |
| Tier 1 capital | $3.9M |
| Total risk-based capital | $4.2M |
| Total equity capital | $3.9M |
| Risk-weighted assets | $27.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.31% |
| Tangible equity to tangible assets | 7.31% |
| Equity capital to average assets | 7.29% |
| Internal capital growth rate | -4.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $3.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14K |
| 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 | 13.64% | 13.64% | 14.61% | 7.40% | $32.6M |
| Q4 2023 | 13.22% | 13.22% | 14.19% | 7.08% | $32.8M |
| Q1 2024 | 13.08% | 13.08% | 14.09% | 6.85% | $31.7M |
| Q2 2024 | 12.33% | 12.33% | 13.34% | 6.49% | $31.7M |
| Q3 2024 | 12.74% | 12.74% | 13.82% | 6.38% | $29.7M |
| Q4 2024 | 11.75% | 11.75% | 12.79% | 6.17% | $30.9M |
| Q1 2025 | 11.86% | 11.86% | 12.95% | 5.96% | $29.2M |
| Q2 2025 | 11.05% | 11.05% | 12.12% | 5.73% | $29.9M |
| Q3 2025 | 13.82% | 13.82% | 14.92% | 6.92% | $29.1M |
| Q4 2025 | 14.13% | 14.13% | 15.26% | 7.15% | $28.3M |
| Q1 2026 | 14.81% | 14.81% | 16.01% | 7.24% | $26.7M |
| Q2 2026 | 14.17% | 14.17% | 15.33% | 7.29% | $27.6M |
Compass Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Compass 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 Compass Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29430) · FFIEC NIC profile (RSSD 373272)