Everett Co-Operative Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.90% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.90% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.94% +7.44 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $161.9M | 161,943 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.16B | 1,161,597 | RCOAA223 |
| Recomputed ratio | 13.94% | numerator / denominator | |
| Filed ratio | 13.94% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.44 pp | $86.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.94% +5.94 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $161.9M | 161,943 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.16B | 1,161,597 | RCOAA223 |
| Recomputed ratio | 13.94% | numerator / denominator | |
| Filed ratio | 13.94% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.94 pp | $69.0M | capital that could be lost first |
Total risk-based capital ratio 14.90% +4.90 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $173.1M | 173,121 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.16B | 1,161,597 | RCOAA223 |
| Recomputed ratio | 14.90% | numerator / denominator | |
| Filed ratio | 14.90% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.90 pp | $57.0M | capital that could be lost first |
Tier 1 leverage ratio 9.81% +4.81 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $161.9M | 161,943 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.65B | 1,651,208 | RCOAA224 |
| Recomputed ratio | 9.81% | numerator / denominator | |
| Filed ratio | 9.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.81 pp | $79.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 58,543 | 58,038 | 57,569 | 57,099 | 56,634 | 56,210 | RCOAP742 |
| Retained earnings | 103,399 | 100,161 | 97,081 | 94,532 | 92,129 | 90,721 | RCOAKW00 |
| Accumulated other comprehensive income | 712 | (144) | (896) | (998) | (1,092) | (385) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 162,654 | 158,055 | 153,754 | 150,633 | 147,671 | 146,546 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (711) | 145 | 896 | 999 | 1,092 | 385 | P859 - P840 |
| Common equity Tier 1 capital | 161,943 | 158,200 | 154,650 | 151,632 | 148,763 | 146,931 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 161,943 | 158,200 | 154,650 | 151,632 | 148,763 | 146,931 | RCOA8274 |
| Tier 2 capital | 11,178 | 11,119 | 10,966 | 10,727 | 10,545 | 9,426 | RCOA5311 |
| Allowance includable in Tier 2 capital | 11,178 | 11,119 | 10,966 | 10,727 | 10,545 | 9,426 | RCOA5310 |
| Total capital | 173,121 | 169,319 | 165,616 | 162,359 | 159,308 | 156,357 | RCOA3792 |
| Total risk-weighted assets | 1,161,597 | 1,163,531 | 1,159,145 | 1,105,953 | 1,085,591 | 963,395 | RCOAA223 |
| Average total assets for the leverage ratio | 1,651,208 | 1,608,769 | 1,568,178 | 1,539,182 | 1,483,140 | 1,424,973 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $138.2M | $1.9M | 1.34% | 0.16% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $90.4M | $44.5M | 49.19% | 3.83% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $814.3M | $434.5M | 53.36% | 37.41% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $589.2M | $589.2M | 100.00% | 50.72% | RC-R Part II, item 4.d, 5.d |
| All other assets | $48.3M | $37.1M | 76.86% | 3.20% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $55.2M | $54.5M | 98.57% | 4.69% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.7M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.16B | ties to item 31 ($1.16B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.16B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.16B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.94% | 13.94% | 14.90% | 9.81% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.60% | 13.60% | 14.55% | 9.83% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.34% | 13.34% | 14.29% | 9.86% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.71% | 13.71% | 14.68% | 9.85% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.70% | 13.70% | 14.67% | 10.03% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.25% | 15.25% | 16.23% | 10.31% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 15.56% | 15.56% | 16.58% | 10.47% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 15.72% | 15.72% | 16.80% | 10.67% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 15.85% | 15.85% | 16.94% | 10.78% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.10% | 16.10% | 17.19% | 10.98% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.22% | 16.22% | 17.30% | 11.31% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.34% | 15.34% | 16.40% | 11.14% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Everett Co-Operative Bank (this bank) | Risk-based | 13.94% | 13.94% | 14.90% | 9.81% | |
| Journey Bank | $1.67B | Risk-based | 16.74% | 16.74% | 17.73% | 10.22% |
| One Bank of Tennessee | $1.67B | Risk-based | 14.85% | 14.85% | 15.59% | 9.09% |
| Cape & Coast Bank | $1.68B | CBLR | NA | NA | NA | 9.70% |
| Main Street Bank | $1.67B | Risk-based | 17.31% | 17.31% | 18.31% | 12.04% |
| East Cambridge Savings Bank | $1.66B | Risk-based | 13.68% | 13.68% | 14.39% | 9.69% |
| Southern Michigan Bank & Trust | $1.68B | CBLR | NA | NA | NA | 9.04% |
| Community National Bank & Trust of Texas | $1.68B | CBLR | NA | NA | NA | 10.62% |
| First State Bank of Uvalde | $1.68B | CBLR | NA | NA | NA | 15.66% |
| Commercial Bank of Texas, N.A. | $1.69B | Risk-based | 15.44% | 15.44% | 16.69% | 10.60% |
| Community Bank | $1.66B | Risk-based | 14.22% | 14.22% | 15.18% | 9.94% |
| Peer 25th percentile | 14.38% | 14.38% | 15.28% | 9.69% | ||
| Peer median | 15.14% | 15.14% | 16.14% | 10.08% | ||
| Peer 75th percentile | 16.41% | 16.41% | 17.47% | 10.62% | ||
| This bank's percentile | 17 | 17 | 17 | 40 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/952172/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.