Massmutual Private Wealth & Trust, FSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 50.94% (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: 50.94% (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 58.94% +52.44 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 | $29.5M | 29,533 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $50.1M | 50,110 | RCOAA223 |
| Recomputed ratio | 58.94% | numerator / denominator | |
| Filed ratio | 58.94% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +52.44 pp | $26.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 58.94% +50.94 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 | $29.5M | 29,533 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $50.1M | 50,110 | RCOAA223 |
| Recomputed ratio | 58.94% | numerator / denominator | |
| Filed ratio | 58.94% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +50.94 pp | $25.5M | capital that could be lost first |
Total risk-based capital ratio 58.94% +48.94 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 | $29.5M | 29,533 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $50.1M | 50,110 | RCOAA223 |
| Recomputed ratio | 58.94% | numerator / denominator | |
| Filed ratio | 58.94% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +48.94 pp | $24.5M | capital that could be lost first |
Tier 1 leverage ratio 32.24% +27.24 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 | $29.5M | 29,533 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $91.6M | 91,604 | RCOAA224 |
| Recomputed ratio | 32.24% | numerator / denominator | |
| Filed ratio | 32.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +27.24 pp | $25.0M | 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 | 16,500 | 16,500 | 16,500 | 16,500 | 16,500 | 16,500 | RCOAP742 |
| Retained earnings | 13,033 | 11,629 | 10,258 | 9,391 | 15,317 | 14,070 | RCOAKW00 |
| Accumulated other comprehensive income | (1,289) | (1,229) | (1,021) | (905) | (1,239) | (1,392) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,244 | 26,900 | 25,737 | 24,986 | 30,578 | 29,178 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,289 | 1,229 | 1,021 | 905 | 1,239 | 1,392 | P859 - P840 |
| Common equity Tier 1 capital | 29,533 | 28,129 | 26,758 | 25,891 | 31,817 | 30,570 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,533 | 28,129 | 26,758 | 25,891 | 31,817 | 30,570 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 29,533 | 28,129 | 26,758 | 25,891 | 31,817 | 30,570 | RCOA3792 |
| Total risk-weighted assets | 50,110 | 49,198 | 52,910 | 52,393 | 53,607 | 54,234 | RCOAA223 |
| Average total assets for the leverage ratio | 91,604 | 89,229 | 86,404 | 84,631 | 87,767 | 88,697 | 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 | $7.7M | $1.4M | 18.71% | 2.89% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $49.8M | $9.9M | 19.96% | 19.85% | RC-R Part II, item 2.a, 2.b |
| All other assets | $6.9M | $6.8M | 98.52% | 13.51% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $24K | $300K | 1250.00% | 0.60% | RC-R Part II, item 9, 10 |
| Market risk and other approaches | NA | $31.6M | NA | 63.16% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $18.5M | ties to item 31 ($18.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $50.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $50.1M | 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 | 58.94% | 58.94% | 58.94% | 32.24% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 57.18% | 57.18% | 57.18% | 31.52% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 50.57% | 50.57% | 50.57% | 30.97% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 49.42% | 49.42% | 49.42% | 30.59% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 59.35% | 59.35% | 59.35% | 36.25% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 56.37% | 56.37% | 56.37% | 34.47% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 52.96% | 52.96% | 52.96% | 33.49% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 49.68% | 49.68% | 49.68% | 30.78% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 51.17% | 51.17% | 51.17% | 33.39% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 49.41% | 49.41% | 49.41% | 31.99% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 47.24% | 47.24% | 47.24% | 31.04% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 49.24% | 49.24% | 49.24% | 33.58% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Massmutual Private Wealth & Trust, FSB (this bank) | Risk-based | 58.94% | 58.94% | 58.94% | 32.24% | |
| The Ottoville Bank Company | $93.8M | CBLR | NA | NA | NA | 21.40% |
| Williamsville State Bank and Trust | $93.8M | Risk-based | 40.04% | 40.04% | 40.60% | 14.53% |
| Miners Exchange Bank | $93.5M | Risk-based | 20.90% | 20.90% | 22.01% | 12.40% |
| Integrity Bank Plus | $93.4M | Risk-based | 14.97% | 14.97% | 16.23% | 11.52% |
| Triumph State Bank | $93.3M | Risk-based | 16.57% | 16.57% | 17.70% | 12.87% |
| Community Bank of Missouri | $94.1M | Risk-based | 16.21% | 16.21% | 17.06% | 13.86% |
| Ladysmith Federal Savings & Loan Association | $93.2M | CBLR | NA | NA | NA | 9.18% |
| First Farmers & Merchants State Bank of Grand Meadow | $93.0M | Risk-based | 11.46% | 11.46% | 12.71% | 9.44% |
| Junction National Bank | $93.0M | CBLR | NA | NA | NA | 12.04% |
| First Federal Savings Bank of Washington | $94.4M | CBLR | NA | NA | NA | 10.98% |
| Peer 25th percentile | 15.28% | 15.28% | 16.43% | 11.12% | ||
| Peer median | 16.39% | 16.39% | 17.38% | 12.22% | ||
| Peer 75th percentile | 19.82% | 19.82% | 20.93% | 13.61% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/2881445/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.