The Cooperative 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: Risk-weighted assets edged up 2.5% between Q1 2026 and Q2 2026, to $385.7M. Within Massachusetts, The Cooperative Bank is 42nd of 59 on CET1 ratio, 12.94% 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. The Cooperative Bank sits 2.13 points lower, at 12.94% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.94% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 9.29% |
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 | $49.9M |
| Tier 1 capital | $49.9M |
| Total risk-based capital | $53.9M |
| Total equity capital | $48.2M |
| Risk-weighted assets | $385.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.79% |
| Tangible equity to tangible assets | 8.79% |
| Equity capital to average assets | 8.97% |
| Internal capital growth rate | -0.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $49.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.55% | 11.55% | 12.71% | 8.43% | $422.1M |
| Q4 2023 | 11.72% | 11.72% | 12.84% | 8.34% | $413.9M |
| Q1 2024 | 12.06% | 12.06% | 13.15% | 8.53% | $403.4M |
| Q2 2024 | 11.95% | 11.95% | 13.01% | 8.58% | $406.4M |
| Q3 2024 | 12.14% | 12.14% | 13.15% | 8.76% | $402.5M |
| Q4 2024 | 12.71% | 12.71% | 13.72% | 8.96% | $386.7M |
| Q1 2025 | 12.73% | 12.73% | 13.74% | 9.09% | $386.8M |
| Q2 2025 | 13.02% | 13.02% | 14.05% | 9.16% | $378.2M |
| Q3 2025 | 13.31% | 13.31% | 14.34% | 9.32% | $373.2M |
| Q4 2025 | 13.25% | 13.25% | 14.29% | 9.30% | $375.5M |
| Q1 2026 | 13.26% | 13.26% | 14.31% | 9.27% | $376.5M |
| Q2 2026 | 12.94% | 12.94% | 13.98% | 9.29% | $385.7M |
The Cooperative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cooperative 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 The Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)