Institution for Savings in Newburyport and Its Vicinity: 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%.
The standout move of Q3 2026 was in Accumulated other comprehensive income: 118.9% lower than in Q2 2026, at -$5.5M. Institution for Savings in Newburyport and Its Vicinity ranks 21st of 59 Massachusetts banks on CET1 ratio, in the upper half at 16.03% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Institution for Savings in Newburyport and Its Vicinity sits 2.55 points higher, at 16.03% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.03% |
| Tier 1 risk-based capital ratio | 16.03% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 12.64% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $693.4M |
| Tier 1 capital | $693.4M |
| Total risk-based capital | $708.0M |
| Total equity capital | $698.2M |
| Risk-weighted assets | $4.32B |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.61% |
| Tangible equity to tangible assets | 12.47% |
| Equity capital to average assets | 12.71% |
| Internal capital growth rate | 3.79% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $703.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 15.40% | 15.40% | 15.78% | 11.47% | $3.72B |
| Q1 2024 | 15.41% | 15.41% | 15.79% | 11.74% | $3.84B |
| Q2 2024 | 15.29% | 15.29% | 15.66% | 11.74% | $3.92B |
| Q3 2024 | 15.21% | 15.21% | 15.57% | 11.77% | $4.00B |
| Q4 2024 | 15.02% | 15.02% | 15.38% | 11.67% | $4.06B |
| Q1 2025 | 15.03% | 15.03% | 15.39% | 11.32% | $4.00B |
| Q2 2025 | 15.29% | 15.29% | 15.64% | 11.83% | $4.10B |
| Q3 2025 | 15.67% | 15.67% | 16.02% | 12.25% | $4.16B |
| Q4 2025 | 15.84% | 15.84% | 16.19% | 12.29% | $4.16B |
| Q1 2026 | 16.19% | 16.19% | 16.55% | 12.28% | $4.07B |
| Q2 2026 | 16.21% | 16.21% | 16.56% | 12.66% | $4.24B |
| Q3 2026 | 16.03% | 16.03% | 16.37% | 12.64% | $4.32B |
Institution for Savings in Newburyport and Its Vicinity regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, 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 Institution for Savings in Newburyport and Its Vicinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90250) · FFIEC NIC profile (RSSD 272302)