Massena Savings and Loan: 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 Equity capital to total assets, which rose 0.35 percentage points to 15.19%. Massena Savings and Loan ranks 19th of 82 New York banks on CET1 ratio, in the upper half at 22.86% (Q2 2026). Massena Savings and Loan's CET1 ratio of 22.86% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 7.79 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.86% |
| Tier 1 risk-based capital ratio | 22.86% |
| Total risk-based capital ratio | 23.81% |
| Tier 1 leverage ratio | 15.15% |
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 | $30.4M |
| Tier 1 capital | $30.4M |
| Total risk-based capital | $31.6M |
| Total equity capital | $30.4M |
| Risk-weighted assets | $132.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.19% |
| Tangible equity to tangible assets | 15.19% |
| Equity capital to average assets | 15.15% |
| Internal capital growth rate | 7.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $30.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 22.53% | 22.53% | 23.73% | 14.58% | $115.8M |
| Q4 2023 | 22.15% | 22.15% | 23.36% | 14.53% | $119.2M |
| Q1 2024 | 22.40% | 22.40% | 23.58% | 14.48% | $118.9M |
| Q2 2024 | 22.21% | 22.21% | 23.35% | 14.54% | $121.2M |
| Q3 2024 | 22.09% | 22.09% | 23.22% | 14.39% | $123.3M |
| Q4 2024 | 22.76% | 22.76% | 23.80% | 14.69% | $121.3M |
| Q1 2025 | 23.11% | 23.11% | 24.14% | 14.97% | $120.8M |
| Q2 2025 | 22.90% | 22.90% | 23.90% | 15.03% | $123.8M |
| Q3 2025 | 22.40% | 22.40% | 23.35% | 15.14% | $129.0M |
| Q4 2025 | 22.08% | 22.08% | 23.00% | 14.80% | $132.6M |
| Q1 2026 | 22.44% | 22.44% | 23.40% | 14.96% | $132.6M |
| Q2 2026 | 22.86% | 22.86% | 23.81% | 15.15% | $132.8M |
Massena Savings and Loan regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Massena Savings and Loan, 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 Massena Savings and Loan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30429) · FFIEC NIC profile (RSSD 454975)