Middlesex Savings 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%.
Common stock surplus climbed 147.4% in Q2 2026, from $9.0M to $22.2M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Middlesex Savings Bank is 10th of 59 on CET1 ratio, 18.24% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Middlesex Savings Bank sits 4.76 points higher, at 18.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.24% |
| Tier 1 risk-based capital ratio | 18.24% |
| Total risk-based capital ratio | 19.01% |
| Tier 1 leverage ratio | 13.44% |
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 | $823.0M |
| Tier 1 capital | $823.0M |
| Total risk-based capital | $857.7M |
| Total equity capital | $808.0M |
| Risk-weighted assets | $4.51B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.14% |
| Tangible equity to tangible assets | 12.94% |
| Equity capital to average assets | 13.16% |
| Internal capital growth rate | 6.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $22.2M |
| Retained earnings | $814.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.1M |
| 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 | 15.94% | 15.94% | 16.61% | 12.15% | $4.81B |
| Q4 2023 | 15.97% | 15.97% | 16.99% | 11.91% | $4.74B |
| Q1 2024 | 16.12% | 16.12% | 17.11% | 11.94% | $4.71B |
| Q2 2024 | 16.62% | 16.62% | 17.24% | 12.16% | $4.61B |
| Q3 2024 | 17.13% | 17.13% | 17.73% | 12.80% | $4.51B |
| Q4 2024 | 17.02% | 17.02% | 17.80% | 12.54% | $4.52B |
| Q1 2025 | 17.38% | 17.38% | 18.17% | 12.66% | $4.44B |
| Q2 2025 | 17.53% | 17.53% | 18.34% | 12.72% | $4.45B |
| Q3 2025 | 17.98% | 17.98% | 18.80% | 12.92% | $4.41B |
| Q4 2025 | 17.89% | 17.89% | 18.69% | 13.06% | $4.48B |
| Q1 2026 | 18.02% | 18.02% | 18.81% | 13.25% | $4.49B |
| Q2 2026 | 18.24% | 18.24% | 19.01% | 13.44% | $4.51B |
Middlesex Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex Savings 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 Middlesex Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90183) · FFIEC NIC profile (RSSD 888002)