Middlesex Federal Savings, F.A.: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 8.70%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.97% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.5M |
| Tier 1 capital | $64.5M |
| Total risk-based capital | — |
| Total equity capital | $56.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.70% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 8.80% |
| Internal capital growth rate | 1.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $64.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.6M |
| 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 | 12.18% | 12.18% | 13.43% | 8.34% | $442.5M |
| Q4 2023 | 12.64% | 12.64% | 13.89% | 8.45% | $437.6M |
| Q1 2024 | 12.73% | 12.73% | 13.99% | 8.69% | $442.9M |
| Q2 2024 | 12.71% | 12.71% | 13.96% | 8.92% | $450.9M |
| Q3 2024 | 12.73% | 12.73% | 13.98% | 9.12% | $459.4M |
| Q4 2024 | 13.05% | 13.05% | 14.30% | 9.24% | $456.7M |
| Q1 2025 | 12.95% | 12.95% | 14.20% | 9.49% | $469.5M |
| Q2 2025 | 12.71% | 12.71% | 13.96% | 9.49% | $487.0M |
| Q3 2025 | 13.35% | 13.35% | 14.60% | 9.71% | $476.3M |
| Q4 2025 | 13.73% | 13.73% | 14.99% | 9.88% | $466.5M |
| Q1 2026 | — | — | — | 10.04% | — |
| Q2 2026 | — | — | — | 9.97% | — |
Middlesex Federal Savings, F.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex Federal Savings, F.A., 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 Middlesex Federal Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28368) · FFIEC NIC profile (RSSD 87579)