First Seacoast 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Tangible equity to tangible assets, which rose 0.38 percentage points to 8.19%. First Seacoast Bank ranks 4th of 8 New Hampshire banks on CET1 ratio, in the upper half at 14.90% (Q2 2026). At 14.90%, First Seacoast Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.90% |
| Tier 1 risk-based capital ratio | 14.90% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 8.92% |
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 | $52.0M |
| Tier 1 capital | $52.0M |
| Total risk-based capital | $55.7M |
| Total equity capital | $47.3M |
| Risk-weighted assets | $349.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.21% |
| Tangible equity to tangible assets | 8.19% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 2.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $27.4M |
| Retained earnings | $24.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 16.88% | 16.88% | 17.92% | 11.12% | $365.0M |
| Q4 2023 | 14.27% | 14.27% | 15.31% | 9.19% | $363.6M |
| Q1 2024 | 13.85% | 13.85% | 14.87% | 8.81% | $367.8M |
| Q2 2024 | 14.51% | 14.51% | 15.53% | 9.08% | $366.4M |
| Q3 2024 | 14.64% | 14.64% | 15.66% | 9.05% | $364.9M |
| Q4 2024 | 14.52% | 14.52% | 15.55% | 8.69% | $356.9M |
| Q1 2025 | 14.15% | 14.15% | 15.16% | 8.68% | $363.8M |
| Q2 2025 | 14.20% | 14.20% | 15.23% | 8.45% | $360.8M |
| Q3 2025 | 14.48% | 14.48% | 15.53% | 8.44% | $358.3M |
| Q4 2025 | 14.56% | 14.56% | 15.60% | 8.41% | $355.3M |
| Q1 2026 | 14.72% | 14.72% | 15.77% | 8.67% | $350.0M |
| Q2 2026 | 14.90% | 14.90% | 15.96% | 8.92% | $349.0M |
First Seacoast Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Seacoast 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 First Seacoast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29744) · FFIEC NIC profile (RSSD 119872)