Kennebec 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, Risk-weighted assets rose 5.5% in Q2 2026 to $1.50B, the biggest move on this page. Kennebec Savings Bank ranks 4th of 16 Maine banks on CET1 ratio, in the upper half at 17.32% (Q2 2026). Kennebec Savings Bank reported 17.32% on CET1 ratio for Q2 2026, 3.83 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.32% |
| Tier 1 risk-based capital ratio | 17.32% |
| Total risk-based capital ratio | 18.02% |
| Tier 1 leverage ratio | 13.96% |
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 | $259.1M |
| Tier 1 capital | $259.1M |
| Total risk-based capital | $269.6M |
| Total equity capital | $251.2M |
| Risk-weighted assets | $1.50B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.42% |
| Tangible equity to tangible assets | 13.42% |
| Equity capital to average assets | 13.53% |
| Internal capital growth rate | 16.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $259.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 15.41% | 15.41% | 16.10% | 12.38% | $1.36B |
| Q4 2023 | 16.52% | 16.52% | 17.24% | 12.65% | $1.31B |
| Q1 2024 | 16.85% | 16.85% | 17.54% | 12.89% | $1.31B |
| Q2 2024 | 17.34% | 17.34% | 18.06% | 12.89% | $1.28B |
| Q3 2024 | 17.30% | 17.30% | 18.01% | 13.08% | $1.31B |
| Q4 2024 | 16.90% | 16.90% | 17.60% | 12.91% | $1.34B |
| Q1 2025 | 16.89% | 16.89% | 17.59% | 12.94% | $1.35B |
| Q2 2025 | 16.98% | 16.98% | 17.68% | 13.22% | $1.38B |
| Q3 2025 | 17.23% | 17.23% | 17.92% | 13.41% | $1.40B |
| Q4 2025 | 17.38% | 17.38% | 18.07% | 13.60% | $1.42B |
| Q1 2026 | 17.56% | 17.56% | 18.27% | 13.60% | $1.42B |
| Q2 2026 | 17.32% | 17.32% | 18.02% | 13.96% | $1.50B |
Kennebec Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kennebec 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 Kennebec Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17897) · FFIEC NIC profile (RSSD 583905)