Kennebunk Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.56% +1.56 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $223.7M | 223,682 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.12B | 2,119,040 | RCOAA224 |
| Recomputed ratio | 10.56% | numerator / denominator | |
| Filed ratio | 10.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.56 pp | $33.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 9,000 | 9,000 | 9,000 | 9,000 | 9,000 | 9,000 | RCOAP742 |
| Retained earnings | 219,576 | 214,912 | 210,379 | 205,870 | 201,666 | 198,465 | RCOAKW00 |
| Accumulated other comprehensive income | (37,812) | (38,260) | (37,813) | (42,057) | (45,385) | (47,026) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 190,764 | 185,652 | 181,566 | 172,813 | 165,281 | 160,439 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 32,918 | 33,263 | 33,127 | 37,340 | 40,637 | 42,248 | P859 - P840 |
| Common equity Tier 1 capital | 223,682 | 218,915 | 214,693 | 210,153 | 205,918 | 202,687 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 223,682 | 218,915 | 214,693 | 210,153 | 205,918 | 202,687 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 2,119,040 | 2,031,147 | 1,975,025 | 1,930,826 | 1,897,389 | 1,865,860 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.56% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.78% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.87% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.88% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.85% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.86% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.82% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.70% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.75% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 10.63% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 10.81% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.74% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Kennebunk Savings Bank (this bank) | CBLR | NA | NA | NA | 10.56% | |
| Isabella Bank | $2.17B | Risk-based | 11.49% | 11.49% | 12.39% | 8.93% |
| Security State Bank & Trust | $2.18B | CBLR | NA | NA | NA | 12.58% |
| Cfbank N.A. | $2.17B | Risk-based | 13.55% | 13.55% | 14.76% | 11.64% |
| Central Bank | $2.16B | CBLR | NA | NA | NA | 15.42% |
| Thomasville National Bank | $2.18B | Risk-based | 12.60% | 12.60% | 13.87% | 10.75% |
| United Bank | $2.16B | Risk-based | 24.35% | 24.35% | 25.61% | 12.75% |
| Citizens National Bank of Texas | $2.19B | Risk-based | 13.55% | 13.55% | 14.75% | 12.20% |
| Norway Savings Bank | $2.16B | CBLR | NA | NA | NA | 14.07% |
| Peer 25th percentile | 12.60% | 12.60% | 13.87% | 11.41% | ||
| Peer median | 13.55% | 13.55% | 14.75% | 12.39% | ||
| Peer 75th percentile | 13.55% | 13.55% | 14.76% | 13.08% | ||
| This bank's percentile | NA | NA | NA | 12 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/247908/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.