Ledyard National 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 5.6% in Q2 2026 to $775.3M, the biggest move on this page. Ledyard National Bank has the 1st lowest CET1 ratio of the 10 banks headquartered in Vermont, at 11.19% as of Q2 2026. Ledyard National Bank reported 11.19% on CET1 ratio for Q2 2026, 2.29 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 11.92% |
| Tier 1 leverage ratio | 8.27% |
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 | $86.7M |
| Tier 1 capital | $86.7M |
| Total risk-based capital | $92.4M |
| Total equity capital | $79.0M |
| Risk-weighted assets | $775.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.37% |
| Tangible equity to tangible assets | 7.37% |
| Equity capital to average assets | 7.50% |
| Internal capital growth rate | 6.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $25.0M |
| Retained earnings | $65.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.8M |
| 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 | 16.97% | 16.97% | 17.54% | 10.92% | $493.8M |
| Q4 2023 | 15.54% | 15.54% | 16.20% | 10.06% | $536.6M |
| Q1 2024 | 14.22% | 14.22% | 14.91% | 9.29% | $585.9M |
| Q2 2024 | 13.71% | 13.71% | 14.40% | 9.21% | $609.4M |
| Q3 2024 | 13.26% | 13.26% | 13.95% | 9.17% | $631.8M |
| Q4 2024 | 12.08% | 12.08% | 12.72% | 8.55% | $658.4M |
| Q1 2025 | 11.76% | 11.76% | 12.45% | 8.45% | $682.2M |
| Q2 2025 | 11.71% | 11.71% | 12.43% | 8.22% | $692.0M |
| Q3 2025 | 11.62% | 11.62% | 12.33% | 8.05% | $706.2M |
| Q4 2025 | 11.64% | 11.64% | 12.34% | 8.10% | $725.4M |
| Q1 2026 | 11.64% | 11.64% | 12.37% | 8.18% | $734.3M |
| Q2 2026 | 11.19% | 11.19% | 11.92% | 8.27% | $775.3M |
Ledyard National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ledyard National 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 Ledyard National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33418) · FFIEC NIC profile (RSSD 1863097)