Fleetwood 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, Risk-weighted assets rose 3.8% in Q2 2026 to $247.8M, the biggest move on this page. Within Pennsylvania, Fleetwood Bank is 46th of 72 on CET1 ratio, 12.90% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Fleetwood Bank sits 2.17 points lower, at 12.90% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.90% |
| Tier 1 risk-based capital ratio | 12.90% |
| Total risk-based capital ratio | 14.10% |
| Tier 1 leverage ratio | 7.77% |
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 | $32.0M |
| Tier 1 capital | $32.0M |
| Total risk-based capital | $34.9M |
| Total equity capital | $29.2M |
| Risk-weighted assets | $247.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.02% |
| Tangible equity to tangible assets | 7.02% |
| Equity capital to average assets | 7.09% |
| Internal capital growth rate | 11.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $525K |
| Common stock surplus | $539K |
| Retained earnings | $30.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 13.84% | 13.84% | 15.05% | 7.41% | $203.5M |
| Q4 2023 | 13.88% | 13.88% | 15.13% | 7.48% | $203.9M |
| Q1 2024 | 13.34% | 13.34% | 14.59% | 7.36% | $212.4M |
| Q2 2024 | 13.41% | 13.41% | 14.66% | 7.36% | $212.7M |
| Q3 2024 | 13.32% | 13.32% | 14.57% | 7.41% | $216.1M |
| Q4 2024 | 13.82% | 13.82% | 15.07% | 7.48% | $210.7M |
| Q1 2025 | 13.92% | 13.92% | 15.17% | 7.62% | $211.8M |
| Q2 2025 | 13.32% | 13.32% | 14.57% | 7.67% | $225.1M |
| Q3 2025 | 13.34% | 13.34% | 14.59% | 7.75% | $228.3M |
| Q4 2025 | 12.84% | 12.84% | 14.08% | 7.74% | $238.7M |
| Q1 2026 | 13.05% | 13.05% | 14.30% | 7.78% | $238.7M |
| Q2 2026 | 12.90% | 12.90% | 14.10% | 7.77% | $247.8M |
Fleetwood Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fleetwood 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 Fleetwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13561) · FFIEC NIC profile (RSSD 551016)