Mechanics Cooperative 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%.
The standout move of Q2 2026 was in Retained earnings: 120.8% higher than in Q1 2026, at $5.5M. Within Massachusetts, Mechanics Cooperative Bank is 28th of 59 on CET1 ratio, 14.38% as of Q2 2026, above the middle of the field. Mechanics Cooperative Bank reported 14.38% on CET1 ratio for Q2 2026, 0.69 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.38% |
| Tier 1 risk-based capital ratio | 14.38% |
| Total risk-based capital ratio | 15.37% |
| Tier 1 leverage ratio | 12.38% |
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 | $107.4M |
| Tier 1 capital | $107.4M |
| Total risk-based capital | $114.8M |
| Total equity capital | $118.6M |
| Risk-weighted assets | $747.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.19% |
| Tangible equity to tangible assets | 12.04% |
| Equity capital to average assets | 13.49% |
| Internal capital growth rate | 10.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $113.8M |
| Retained earnings | $5.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$655K |
| 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 | 17.80% | 17.80% | 18.78% | 13.63% | $516.5M |
| Q4 2023 | 17.76% | 17.76% | 18.71% | 13.34% | $529.4M |
| Q1 2024 | 17.44% | 17.44% | 18.39% | 12.85% | $548.0M |
| Q2 2024 | 16.93% | 16.93% | 17.89% | 12.70% | $573.9M |
| Q3 2024 | 16.71% | 16.71% | 17.70% | 12.51% | $592.9M |
| Q4 2024 | 15.14% | 15.14% | 16.08% | 12.25% | $666.3M |
| Q1 2025 | 15.58% | 15.58% | 16.53% | 12.38% | $663.5M |
| Q2 2025 | 16.15% | 16.15% | 17.11% | 12.78% | $657.5M |
| Q3 2025 | 15.59% | 15.59% | 16.53% | 12.89% | $694.5M |
| Q4 2025 | 15.33% | 15.33% | 16.32% | 12.99% | $721.9M |
| Q1 2026 | 14.29% | 14.29% | 15.29% | 12.06% | $726.9M |
| Q2 2026 | 14.38% | 14.38% | 15.37% | 12.38% | $747.0M |
Mechanics Cooperative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics Cooperative 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 Mechanics Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26634) · FFIEC NIC profile (RSSD 183770)