Manasquan 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 5.4% to -$4.7M. Manasquan Bank has the 3rd lowest CET1 ratio of the 37 banks headquartered in New Jersey, at 11.00% as of Q2 2026. Manasquan Bank reported 11.00% on CET1 ratio for Q2 2026, 2.48 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 | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 11.94% |
| Tier 1 leverage ratio | 9.69% |
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 | $338.9M |
| Tier 1 capital | $338.9M |
| Total risk-based capital | $367.9M |
| Total equity capital | $334.6M |
| Risk-weighted assets | $3.08B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.33% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 9.56% |
| Internal capital growth rate | 10.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $56.4M |
| Retained earnings | $282.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| 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 | 12.10% | 12.10% | 13.19% | 9.53% | $2.22B |
| Q4 2023 | 12.11% | 12.11% | 13.16% | 9.33% | $2.26B |
| Q1 2024 | 11.97% | 11.97% | 12.98% | 9.42% | $2.33B |
| Q2 2024 | 11.74% | 11.74% | 12.77% | 9.41% | $2.41B |
| Q3 2024 | 10.77% | 10.77% | 11.74% | 9.43% | $2.67B |
| Q4 2024 | 10.67% | 10.67% | 11.68% | 9.40% | $2.73B |
| Q1 2025 | 10.56% | 10.56% | 11.54% | 9.49% | $2.82B |
| Q2 2025 | 10.70% | 10.70% | 11.60% | 9.47% | $2.85B |
| Q3 2025 | 10.94% | 10.94% | 11.84% | 9.30% | $2.86B |
| Q4 2025 | 10.86% | 10.86% | 11.75% | 9.33% | $2.94B |
| Q1 2026 | 11.13% | 11.13% | 12.07% | 9.65% | $2.97B |
| Q2 2026 | 11.00% | 11.00% | 11.94% | 9.69% | $3.08B |
Manasquan Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Manasquan 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 Manasquan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30470) · FFIEC NIC profile (RSSD 459671)