Marblehead 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%.
In Q2 2026, Equity capital to total assets edged up by 0.13 percentage points, from 9.95% to 10.07%, the largest move among the key lines here. Marblehead Bank ranks 13th of 59 Massachusetts banks on CET1 ratio, in the upper half at 16.99% (Q2 2026). Marblehead Bank reported 16.99% on CET1 ratio for Q2 2026, 1.90 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.99% |
| Tier 1 risk-based capital ratio | 16.99% |
| Total risk-based capital ratio | 17.81% |
| Tier 1 leverage ratio | 10.11% |
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 | $26.9M |
| Tier 1 capital | $26.9M |
| Total risk-based capital | $28.2M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $158.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 9.96% |
| Internal capital growth rate | 4.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $26.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$430K |
| 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 | 13.94% | 13.94% | 14.62% | 9.11% | $171.0M |
| Q4 2023 | 16.30% | 16.30% | 17.05% | 9.52% | $148.6M |
| Q1 2024 | 16.74% | 16.74% | 17.51% | 9.68% | $146.1M |
| Q2 2024 | 16.43% | 16.43% | 17.20% | 9.60% | $150.4M |
| Q3 2024 | 16.61% | 16.61% | 17.39% | 9.57% | $150.7M |
| Q4 2024 | 16.20% | 16.20% | 16.99% | 9.83% | $155.8M |
| Q1 2025 | 16.55% | 16.55% | 17.32% | 9.81% | $154.4M |
| Q2 2025 | 16.26% | 16.26% | 17.08% | 9.87% | $158.2M |
| Q3 2025 | 16.66% | 16.66% | 17.49% | 10.17% | $156.2M |
| Q4 2025 | 16.72% | 16.72% | 17.54% | 10.10% | $157.2M |
| Q1 2026 | 16.99% | 16.99% | 17.80% | 10.23% | $156.5M |
| Q2 2026 | 16.99% | 16.99% | 17.81% | 10.11% | $158.2M |
Marblehead Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Marblehead 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 Marblehead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90234) · FFIEC NIC profile (RSSD 816304)