Equitable Savings and Loan Association: 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 Equity capital to total assets, which rose 0.32 percentage points to 15.68%. Equitable Savings and Loan Association ranks 5th of 34 Colorado banks on CET1 ratio, in the upper half at 29.05% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Equitable Savings and Loan Association reported 29.05% on CET1 ratio in Q2 2026, 13.98 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.05% |
| Tier 1 risk-based capital ratio | 29.05% |
| Total risk-based capital ratio | 29.42% |
| Tier 1 leverage ratio | 15.69% |
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 | $26.7M |
| Tier 1 capital | $26.7M |
| Total risk-based capital | $27.0M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $91.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.68% |
| Tangible equity to tangible assets | 15.68% |
| Equity capital to average assets | 15.51% |
| Internal capital growth rate | 0.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $0 |
| Retained earnings | $26.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$301K |
| 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 | 29.98% | 29.98% | 30.39% | 16.31% | $85.6M |
| Q4 2023 | 28.06% | 28.06% | 28.45% | 16.41% | $92.0M |
| Q1 2024 | 30.24% | 30.24% | 30.66% | 16.69% | $84.6M |
| Q2 2024 | 29.01% | 29.01% | 29.41% | 16.68% | $87.8M |
| Q3 2024 | 29.45% | 29.45% | 29.86% | 15.99% | $87.4M |
| Q4 2024 | 28.32% | 28.32% | 28.72% | 15.79% | $90.3M |
| Q1 2025 | 28.80% | 28.80% | 29.20% | 15.95% | $89.2M |
| Q2 2025 | 29.40% | 29.40% | 29.78% | 16.36% | $89.9M |
| Q3 2025 | 29.36% | 29.36% | 29.73% | 16.17% | $90.4M |
| Q4 2025 | 28.60% | 28.60% | 28.96% | 15.74% | $93.0M |
| Q1 2026 | 29.34% | 29.34% | 29.72% | 15.59% | $90.9M |
| Q2 2026 | 29.05% | 29.05% | 29.42% | 15.69% | $91.9M |
Equitable Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Equitable Savings and Loan Association, 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 Equitable Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30707) · FFIEC NIC profile (RSSD 206473)