Massmutual Private Wealth & Trust, FSB: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 12.1% higher than in Q1 2026, at $13.0M. Massmutual Private Wealth & Trust, FSB has the highest CET1 ratio of the 17 banks headquartered in Connecticut, 58.94% as of Q2 2026. Massmutual Private Wealth & Trust, FSB's CET1 ratio of 58.94% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 38.97 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 58.94% |
| Tier 1 risk-based capital ratio | 58.94% |
| Total risk-based capital ratio | 58.94% |
| Tier 1 leverage ratio | 32.24% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | $29.5M |
| Total equity capital | $28.2M |
| Risk-weighted assets | $50.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 30.14% |
| Tangible equity to tangible assets | 30.14% |
| Equity capital to average assets | 30.83% |
| Internal capital growth rate | 20.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.5M |
| Common stock surplus | $11.0M |
| Retained earnings | $13.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 49.24% | 49.24% | 49.24% | 33.58% | $60.6M |
| Q4 2023 | 47.24% | 47.24% | 47.24% | 31.04% | $58.8M |
| Q1 2024 | 49.41% | 49.41% | 49.41% | 31.99% | $58.1M |
| Q2 2024 | 51.17% | 51.17% | 51.17% | 33.39% | $58.6M |
| Q3 2024 | 49.68% | 49.68% | 49.68% | 30.78% | $55.0M |
| Q4 2024 | 52.96% | 52.96% | 52.96% | 33.49% | $54.5M |
| Q1 2025 | 56.37% | 56.37% | 56.37% | 34.47% | $54.2M |
| Q2 2025 | 59.35% | 59.35% | 59.35% | 36.25% | $53.6M |
| Q3 2025 | 49.42% | 49.42% | 49.42% | 30.59% | $52.4M |
| Q4 2025 | 50.57% | 50.57% | 50.57% | 30.97% | $52.9M |
| Q1 2026 | 57.18% | 57.18% | 57.18% | 31.52% | $49.2M |
| Q2 2026 | 58.94% | 58.94% | 58.94% | 32.24% | $50.1M |
Massmutual Private Wealth & Trust, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Massmutual Private Wealth & Trust, FSB, 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 Massmutual Private Wealth & Trust, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35394) · FFIEC NIC profile (RSSD 2881445)