Eastern Savings Bank Federal 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.86 percentage points higher than in Q1 2026, at 32.28%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 30.96% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $108.6M |
| Tier 1 capital | $108.6M |
| Total risk-based capital | — |
| Total equity capital | $108.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 32.28% |
| Tangible equity to tangible assets | 32.28% |
| Equity capital to average assets | 30.96% |
| Internal capital growth rate | 6.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $266K |
| Common stock surplus | $52.1M |
| Retained earnings | $56.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 26.46% | 26.46% | 26.46% |
| Q4 2023 | 25.97% | 25.14% | 25.14% |
| Q1 2024 | 25.33% | 25.04% | 25.04% |
| Q2 2024 | 25.35% | 25.17% | 25.17% |
| Q3 2024 | 25.38% | 24.96% | 24.96% |
| Q4 2024 | 24.96% | 24.57% | 24.57% |
| Q1 2025 | 23.83% | 23.91% | 23.91% |
| Q2 2025 | 24.23% | 23.96% | 23.96% |
| Q3 2025 | 24.85% | 26.67% | 26.67% |
| Q4 2025 | 28.18% | 28.95% | 28.95% |
| Q1 2026 | 29.71% | 30.43% | 30.43% |
| Q2 2026 | 30.96% | 32.28% | 32.28% |
Eastern Savings Bank Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern Savings Bank Federal 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 Eastern Savings Bank Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32360) · FFIEC NIC profile (RSSD 643078)