Eastbank, N.A.: 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 standout move of Q2 2026 was in Equity capital to average assets: 1.32 percentage points lower than in Q1 2026, at 22.62%. Within New York, Eastbank, N.A. is 11th of 82 on CET1 ratio, 29.85% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Eastbank, N.A. reported 29.85% on CET1 ratio in Q2 2026, 14.78 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.85% |
| Tier 1 risk-based capital ratio | 29.85% |
| Total risk-based capital ratio | 31.11% |
| Tier 1 leverage ratio | 22.99% |
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 | $35.6M |
| Tier 1 capital | $35.6M |
| Total risk-based capital | $37.1M |
| Total equity capital | $35.0M |
| Risk-weighted assets | $119.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.89% |
| Tangible equity to tangible assets | 22.89% |
| Equity capital to average assets | 22.62% |
| Internal capital growth rate | 2.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $3.3M |
| Retained earnings | $29.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$574K |
| 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 | 30.97% | 30.97% | 32.23% | 20.85% | $111.7M |
| Q4 2023 | 29.90% | 29.90% | 31.16% | 21.08% | $115.5M |
| Q1 2024 | 30.06% | 30.06% | 31.32% | 21.20% | $114.3M |
| Q2 2024 | 29.21% | 29.21% | 30.47% | 21.66% | $116.9M |
| Q3 2024 | 29.52% | 29.52% | 30.78% | 21.74% | $115.1M |
| Q4 2024 | 29.15% | 29.15% | 30.40% | 20.70% | $116.3M |
| Q1 2025 | 29.17% | 29.17% | 30.43% | 21.15% | $115.9M |
| Q2 2025 | 29.49% | 29.49% | 30.75% | 22.11% | $114.4M |
| Q3 2025 | 35.44% | 35.44% | 36.71% | 23.78% | $102.2M |
| Q4 2025 | 31.04% | 31.04% | 32.31% | 23.52% | $113.6M |
| Q1 2026 | 31.23% | 31.23% | 32.49% | 24.27% | $113.4M |
| Q2 2026 | 29.85% | 29.85% | 31.11% | 22.99% | $119.2M |
Eastbank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastbank, N.A., 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 Eastbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25749) · FFIEC NIC profile (RSSD 98717)