Leader Bank, N.A.: 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%.
Risk-weighted assets rose 4.3% from Q1 2026 to Q2 2026, ending at $2.94B against $2.82B. It was the largest change among the key lines on this page. Within Massachusetts, Leader Bank, N.A. is 7th of 59 on CET1 ratio, 19.80% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Leader Bank, N.A. sits 6.33 points higher, at 19.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.80% |
| Tier 1 risk-based capital ratio | 19.80% |
| Total risk-based capital ratio | 21.06% |
| Tier 1 leverage ratio | 11.58% |
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 | $582.1M |
| Tier 1 capital | $582.1M |
| Total risk-based capital | $619.0M |
| Total equity capital | $556.5M |
| Risk-weighted assets | $2.94B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.53% |
| Tangible equity to tangible assets | 10.53% |
| Equity capital to average assets | 11.07% |
| Internal capital growth rate | 7.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $176.8M |
| Retained earnings | $405.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.6M |
| 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 | 18.47% | 18.47% | 19.63% | 12.09% | $2.76B |
| Q4 2023 | 18.49% | 18.49% | 19.65% | 11.69% | $2.78B |
| Q1 2024 | 18.37% | 18.37% | 19.55% | 11.37% | $2.82B |
| Q2 2024 | 18.01% | 18.01% | 19.21% | 11.30% | $2.91B |
| Q3 2024 | 18.28% | 18.28% | 19.49% | 11.64% | $2.90B |
| Q4 2024 | 18.60% | 18.60% | 19.85% | 11.53% | $2.87B |
| Q1 2025 | 18.62% | 18.62% | 19.87% | 11.45% | $2.90B |
| Q2 2025 | 20.99% | 20.99% | 22.25% | 10.89% | $2.61B |
| Q3 2025 | 20.80% | 20.80% | 22.05% | 11.30% | $2.68B |
| Q4 2025 | 20.84% | 20.84% | 22.10% | 11.34% | $2.71B |
| Q1 2026 | 20.32% | 20.32% | 21.57% | 11.75% | $2.82B |
| Q2 2026 | 19.80% | 19.80% | 21.06% | 11.58% | $2.94B |
Leader Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Leader Bank, N.A., 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 Leader Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57134) · FFIEC NIC profile (RSSD 3109146)