The First Bank of Greenwich: 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, Retained earnings rose 5.9% in Q2 2026 to $30.8M, the biggest move on this page. On CET1 ratio, The First Bank of Greenwich is 3rd from the bottom among 17 Connecticut banks, 11.10% (Q2 2026). The First Bank of Greenwich reported 11.10% on CET1 ratio for Q2 2026, 3.97 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.10% |
| Tier 1 risk-based capital ratio | 11.10% |
| Total risk-based capital ratio | 12.34% |
| Tier 1 leverage ratio | 9.26% |
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 | $75.0M |
| Tier 1 capital | $75.0M |
| Total risk-based capital | $83.3M |
| Total equity capital | $75.7M |
| Risk-weighted assets | $675.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.32% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 9.35% |
| Internal capital growth rate | 9.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $125K |
| Common stock surplus | $44.9M |
| Retained earnings | $30.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$78K |
| 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 | 11.31% | 11.31% | 12.56% | 8.86% | $557.1M |
| Q4 2023 | 11.28% | 11.28% | 12.53% | 8.81% | $568.6M |
| Q1 2024 | 10.61% | 10.61% | 11.83% | 8.77% | $606.7M |
| Q2 2024 | 11.15% | 11.15% | 12.40% | 8.89% | $588.8M |
| Q3 2024 | 10.66% | 10.66% | 11.90% | 8.81% | $621.4M |
| Q4 2024 | 10.45% | 10.45% | 11.68% | 8.58% | $643.1M |
| Q1 2025 | 10.35% | 10.35% | 11.57% | 8.43% | $660.5M |
| Q2 2025 | 10.63% | 10.63% | 11.87% | 8.58% | $657.8M |
| Q3 2025 | 10.87% | 10.87% | 12.12% | 8.94% | $658.2M |
| Q4 2025 | 10.68% | 10.68% | 11.92% | 9.08% | $670.7M |
| Q1 2026 | 11.02% | 11.02% | 12.27% | 9.25% | $663.3M |
| Q2 2026 | 11.10% | 11.10% | 12.34% | 9.26% | $675.3M |
The First Bank of Greenwich regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Greenwich, 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 The First Bank of Greenwich profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58307) · FFIEC NIC profile (RSSD 3466988)