Middlesex Federal Savings, F.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 9.97% +0.97 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $64.5M | 64,498 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $646.8M | 646,781 | RCOAA224 |
| Recomputed ratio | 9.97% | numerator / denominator | |
| Filed ratio | 9.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.97 pp | $6.3M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 64,498 | 64,217 | 64,058 | 63,585 | 61,896 | 60,808 | RCOAKW00 |
| Accumulated other comprehensive income | (7,599) | (7,632) | (7,546) | (8,027) | (8,678) | (9,227) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 56,899 | 56,585 | 56,512 | 55,558 | 53,218 | 51,581 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,599 | 7,632 | 7,546 | 8,027 | 8,678 | 9,227 | P859 - P840 |
| Common equity Tier 1 capital | 64,498 | 64,217 | 64,058 | 63,585 | 61,896 | 60,808 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 64,498 | 64,217 | 64,058 | 63,585 | 61,896 | 60,808 | RCOA8274 |
| Tier 2 capital | NA | NA | 5,845 | 5,966 | 6,098 | 5,877 | |
| Allowance includable in Tier 2 capital | NA | NA | 5,845 | 5,966 | 6,098 | 5,877 | |
| Total capital | NA | NA | 69,903 | 69,551 | 67,994 | 66,685 | |
| Total risk-weighted assets | NA | NA | 466,454 | 476,258 | 486,980 | 469,493 | |
| Average total assets for the leverage ratio | 646,781 | 639,749 | 648,255 | 654,995 | 652,247 | 640,430 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 9.97% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.04% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.73% | 13.73% | 14.99% | 9.88% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.35% | 13.35% | 14.60% | 9.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.71% | 12.71% | 13.96% | 9.49% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.95% | 12.95% | 14.20% | 9.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.05% | 13.05% | 14.30% | 9.24% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.73% | 12.73% | 13.98% | 9.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.71% | 12.71% | 13.96% | 8.92% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.73% | 12.73% | 13.99% | 8.69% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.64% | 12.64% | 13.89% | 8.45% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.18% | 12.18% | 13.43% | 8.34% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Middlesex Federal Savings, F.A. (this bank) | CBLR | NA | NA | NA | 9.97% | |
| Midstates Bank, N.A. | $653.9M | Risk-based | 16.79% | 16.79% | 18.05% | 11.60% |
| Pacific Valley Bank | $653.3M | CBLR | NA | NA | NA | 12.60% |
| Worthington Bank | $655.4M | Risk-based | 12.56% | 12.56% | 13.61% | 9.31% |
| Citizens State Bank | $653.0M | Risk-based | 12.02% | 12.02% | 13.27% | 10.07% |
| Peoples Bank & Trust | $656.6M | Risk-based | 16.48% | 16.48% | 17.52% | 10.73% |
| First Hope Bank, a National Banking Association | $656.7M | Risk-based | 14.13% | 14.13% | 15.38% | 10.02% |
| First Midwest Bank of Dexter | $652.0M | CBLR | NA | NA | NA | 10.97% |
| Milford Bank the | $652.0M | Risk-based | 14.36% | 14.36% | 15.51% | 9.94% |
| First National Bank of Gillette | $651.9M | CBLR | NA | NA | NA | 14.93% |
| Peer 25th percentile | 12.95% | 12.95% | 14.05% | 10.02% | ||
| Peer median | 14.24% | 14.24% | 15.45% | 10.73% | ||
| Peer 75th percentile | 15.95% | 15.95% | 17.02% | 11.60% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/87579/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.