Fall River Five Cents 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.32 percentage points in Q2 2026 to 7.43%, the biggest move on this page. On CET1 ratio, Fall River Five Cents Savings Bank is 6th from the bottom among 59 Massachusetts banks, 11.61% (Q2 2026). Fall River Five Cents Savings Bank reported 11.61% on CET1 ratio for Q2 2026, 1.87 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.38% |
| Tier 1 leverage ratio | 8.70% |
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 | $163.6M |
| Tier 1 capital | $163.6M |
| Total risk-based capital | $174.4M |
| Total equity capital | $138.0M |
| Risk-weighted assets | $1.41B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.43% |
| Tangible equity to tangible assets | 7.32% |
| Equity capital to average assets | 7.33% |
| Internal capital growth rate | 6.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $22.5M |
| Retained earnings | $143.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.8M |
| 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 | 11.52% | 11.52% | 12.19% | 8.69% | $1.33B |
| Q4 2023 | 11.48% | 11.48% | 12.12% | 8.66% | $1.34B |
| Q1 2024 | 11.37% | 11.37% | 12.00% | 8.55% | $1.36B |
| Q2 2024 | 11.46% | 11.46% | 12.08% | 8.41% | $1.37B |
| Q3 2024 | 11.50% | 11.50% | 12.16% | 8.37% | $1.37B |
| Q4 2024 | 11.35% | 11.35% | 12.07% | 8.12% | $1.37B |
| Q1 2025 | 10.94% | 10.94% | 11.63% | 8.14% | $1.42B |
| Q2 2025 | 10.80% | 10.80% | 11.49% | 8.29% | $1.46B |
| Q3 2025 | 11.11% | 11.11% | 11.78% | 8.37% | $1.44B |
| Q4 2025 | 11.36% | 11.36% | 12.11% | 8.36% | $1.41B |
| Q1 2026 | 11.68% | 11.68% | 12.45% | 8.47% | $1.38B |
| Q2 2026 | 11.61% | 11.61% | 12.38% | 8.70% | $1.41B |
Fall River Five Cents Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fall River Five Cents 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 Fall River Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23286) · FFIEC NIC profile (RSSD 833404)