County 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 2.1%, from $36.6M to $37.3M, the largest move among the key lines here. County Savings Bank ranks 20th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 19.43% (Q2 2026). At 19.43%, County Savings Bank's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.43% |
| Tier 1 risk-based capital ratio | 19.43% |
| Total risk-based capital ratio | 20.55% |
| Tier 1 leverage ratio | 8.08% |
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 | $7.3M |
| Tier 1 capital | $7.3M |
| Total risk-based capital | $7.7M |
| Total equity capital | $7.3M |
| Risk-weighted assets | $37.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.02% |
| Tangible equity to tangible assets | 8.02% |
| Equity capital to average assets | 8.08% |
| Internal capital growth rate | 2.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 18.94% | 18.94% | 20.08% | 6.69% | $35.3M |
| Q4 2023 | 19.11% | 19.11% | 20.24% | 6.81% | $35.4M |
| Q1 2024 | 19.15% | 19.15% | 20.32% | 6.77% | $35.5M |
| Q2 2024 | 19.07% | 19.07% | 20.26% | 6.69% | $35.9M |
| Q3 2024 | 18.97% | 18.97% | 20.13% | 6.79% | $36.3M |
| Q4 2024 | 19.18% | 19.18% | 20.23% | 6.95% | $36.4M |
| Q1 2025 | 19.10% | 19.10% | 20.15% | 7.02% | $36.8M |
| Q2 2025 | 19.31% | 19.31% | 20.39% | 7.31% | $36.6M |
| Q3 2025 | 19.67% | 19.67% | 20.74% | 7.60% | $36.2M |
| Q4 2025 | 19.80% | 19.80% | 20.93% | 7.88% | $36.2M |
| Q1 2026 | 19.73% | 19.73% | 20.82% | 8.17% | $36.6M |
| Q2 2026 | 19.43% | 19.43% | 20.55% | 8.08% | $37.3M |
County Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29231) · FFIEC NIC profile (RSSD 658072)