Crest 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, Equity capital to average assets edged up by 0.25 percentage points, from 8.60% to 8.85%, the largest move among the key lines here. Within New Jersey, Crest Savings Bank is 17th of 37 on CET1 ratio, 14.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Crest Savings Bank sits 0.63 points lower, at 14.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.45% |
| Tier 1 risk-based capital ratio | 14.45% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 8.85% |
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 | $51.1M |
| Tier 1 capital | $51.1M |
| Total risk-based capital | $54.2M |
| Total equity capital | $51.0M |
| Risk-weighted assets | $353.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
| Equity capital to average assets | 8.85% |
| Internal capital growth rate | 5.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $9.0M |
| Retained earnings | $42.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$41K |
| 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 | 13.34% | 13.34% | 14.30% | 8.19% | $358.9M |
| Q4 2023 | 13.13% | 13.13% | 14.09% | 8.15% | $359.3M |
| Q1 2024 | 12.89% | 12.89% | 13.66% | 8.30% | $363.8M |
| Q2 2024 | 12.58% | 12.58% | 13.33% | 8.25% | $370.0M |
| Q3 2024 | 12.91% | 12.91% | 13.66% | 8.17% | $364.8M |
| Q4 2024 | 13.04% | 13.04% | 13.80% | 8.38% | $363.8M |
| Q1 2025 | 13.11% | 13.11% | 13.80% | 8.66% | $365.9M |
| Q2 2025 | 13.26% | 13.26% | 13.98% | 8.86% | $365.1M |
| Q3 2025 | 13.89% | 13.89% | 14.71% | 8.07% | $353.1M |
| Q4 2025 | 14.20% | 14.20% | 15.04% | 8.22% | $351.1M |
| Q1 2026 | 14.26% | 14.26% | 15.11% | 8.60% | $353.5M |
| Q2 2026 | 14.45% | 14.45% | 15.32% | 8.85% | $353.7M |
Crest Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Crest 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 Crest Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28818) · FFIEC NIC profile (RSSD 172475)