Dean Co-Operative 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 Risk-weighted assets, which rose 2.5% to $306.0M. Within Massachusetts, Dean Co-Operative Bank is 38th of 59 on CET1 ratio, 13.42% 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. Dean Co-Operative Bank sits 1.65 points lower, at 13.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.42% |
| Tier 1 risk-based capital ratio | 13.42% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 8.26% |
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 | $41.1M |
| Tier 1 capital | $41.1M |
| Total risk-based capital | $44.2M |
| Total equity capital | $33.2M |
| Risk-weighted assets | $306.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.71% |
| Tangible equity to tangible assets | 6.71% |
| Equity capital to average assets | 6.67% |
| Internal capital growth rate | 5.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $40.1M |
| Retained earnings | $959K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 13.61% | 13.61% | 14.77% | 8.18% | $279.7M |
| Q4 2023 | 13.37% | 13.37% | 14.51% | 8.05% | $285.7M |
| Q1 2024 | 13.34% | 13.34% | 14.47% | 8.07% | $287.0M |
| Q2 2024 | 13.45% | 13.45% | 14.59% | 8.08% | $285.4M |
| Q3 2024 | 13.50% | 13.50% | 14.63% | 8.10% | $285.5M |
| Q4 2024 | 13.17% | 13.17% | 14.27% | 7.98% | $294.0M |
| Q1 2025 | 13.10% | 13.10% | 14.19% | 8.01% | $297.5M |
| Q2 2025 | 13.11% | 13.11% | 14.19% | 8.02% | $299.6M |
| Q3 2025 | 13.30% | 13.30% | 14.38% | 8.11% | $298.4M |
| Q4 2025 | 13.29% | 13.29% | 14.36% | 8.14% | $301.8M |
| Q1 2026 | 13.60% | 13.60% | 14.64% | 8.25% | $298.6M |
| Q2 2026 | 13.42% | 13.42% | 14.44% | 8.26% | $306.0M |
Dean Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dean Co-Operative 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 Dean Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27269) · FFIEC NIC profile (RSSD 271275)