Marblehead Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.81% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 9.81% (RCOAH311).
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.
Common equity Tier 1 ratio 16.99% +10.49 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $26.9M | 26,875 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $158.2M | 158,208 | RCOAA223 |
| Recomputed ratio | 16.99% | numerator / denominator | |
| Filed ratio | 16.99% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.49 pp | $16.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.99% +8.99 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $26.9M | 26,875 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $158.2M | 158,208 | RCOAA223 |
| Recomputed ratio | 16.99% | numerator / denominator | |
| Filed ratio | 16.99% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.99 pp | $14.2M | capital that could be lost first |
Total risk-based capital ratio 17.81% +7.81 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $28.2M | 28,171 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $158.2M | 158,208 | RCOAA223 |
| Recomputed ratio | 17.81% | numerator / denominator | |
| Filed ratio | 17.81% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.81 pp | $12.3M | capital that could be lost first |
Tier 1 leverage ratio 10.11% +5.11 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $26.9M | 26,875 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $265.8M | 265,815 | RCOAA224 |
| Recomputed ratio | 10.11% | numerator / denominator | |
| Filed ratio | 10.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.11 pp | $13.6M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 26,875 | 26,584 | 26,291 | 26,010 | 25,721 | 25,549 | RCOAKW00 |
| Accumulated other comprehensive income | (430) | (418) | (20) | (44) | (102) | (135) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 26,445 | 26,166 | 26,271 | 25,966 | 25,619 | 25,414 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 430 | 418 | 20 | 44 | 102 | 135 | P859 - P840 |
| Common equity Tier 1 capital | 26,875 | 26,584 | 26,291 | 26,010 | 25,721 | 25,549 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 26,875 | 26,584 | 26,291 | 26,010 | 25,721 | 25,549 | RCOA8274 |
| Tier 2 capital | 1,296 | 1,273 | 1,294 | 1,306 | 1,304 | 1,196 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,296 | 1,273 | 1,294 | 1,306 | 1,304 | 1,196 | RCOA5310 |
| Total capital | 28,171 | 27,857 | 27,585 | 27,316 | 27,025 | 26,745 | RCOA3792 |
| Total risk-weighted assets | 158,208 | 156,469 | 157,248 | 156,150 | 158,211 | 154,417 | RCOAA223 |
| Average total assets for the leverage ratio | 265,815 | 259,970 | 260,290 | 255,647 | 260,481 | 260,565 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $21.6M | $683K | 3.16% | 0.43% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $15.5M | $3.1M | 20.00% | 1.96% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $177.3M | $104.7M | 59.04% | 66.15% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $35.4M | $35.4M | 100.00% | 22.38% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.7M | $12.8M | 93.67% | 8.10% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.5M | $1.5M | 100.00% | 0.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $158.2M | ties to item 31 ($158.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $158.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $158.2M | RCONG641, ties |
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 | Risk-based | 16.99% | 16.99% | 17.81% | 10.11% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.99% | 16.99% | 17.80% | 10.23% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.72% | 16.72% | 17.54% | 10.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.66% | 16.66% | 17.49% | 10.17% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.26% | 16.26% | 17.08% | 9.87% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.55% | 16.55% | 17.32% | 9.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.20% | 16.20% | 16.99% | 9.83% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.61% | 16.61% | 17.39% | 9.57% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.43% | 16.43% | 17.20% | 9.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.74% | 16.74% | 17.51% | 9.68% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.30% | 16.30% | 17.05% | 9.52% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.94% | 13.94% | 14.62% | 9.11% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Marblehead Bank (this bank) | Risk-based | 16.99% | 16.99% | 17.81% | 10.11% | |
| Wyoming Community Bank | $262.4M | CBLR | NA | NA | NA | 9.52% |
| Bank of Brookhaven | $262.2M | Risk-based | 18.04% | 18.04% | 18.83% | 11.64% |
| Union Savings and Loan Association | $261.8M | CBLR | NA | NA | NA | 10.45% |
| Bank of Holland | $261.6M | Risk-based | 14.59% | 14.59% | 15.79% | 8.77% |
| Clarion County Community Bank | $261.6M | Risk-based | 10.60% | 10.60% | 11.41% | 8.01% |
| Bank of Salem | $261.5M | CBLR | NA | NA | NA | 12.43% |
| FBT Bank & Mortgage | $263.6M | CBLR | NA | NA | NA | 10.39% |
| YNB | $261.4M | Risk-based | 12.25% | 12.25% | 12.93% | 8.45% |
| Madison Valley Bank | $263.7M | Risk-based | 14.52% | 14.52% | 15.77% | 9.24% |
| Peer 25th percentile | 12.25% | 12.25% | 12.93% | 8.77% | ||
| Peer median | 14.52% | 14.52% | 15.77% | 9.52% | ||
| Peer 75th percentile | 14.59% | 14.59% | 15.79% | 10.45% | ||
| This bank's percentile | 80 | 80 | 80 | 56 |
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/816304/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.