Millville 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%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 2.97 percentage points lower than in Q1 2026, at 27.66%. Millville Savings Bank ranks 6th of 37 New Jersey banks on CET1 ratio, in the upper half at 26.41% (Q2 2026). Millville Savings Bank's CET1 ratio of 26.41% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 11.33 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.41% |
| Tier 1 risk-based capital ratio | 26.41% |
| Total risk-based capital ratio | 27.66% |
| Tier 1 leverage ratio | 13.63% |
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 | $23.0M |
| Tier 1 capital | $23.0M |
| Total risk-based capital | $24.1M |
| Total equity capital | $19.8M |
| Risk-weighted assets | $87.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.66% |
| Tangible equity to tangible assets | 11.66% |
| Equity capital to average assets | 11.72% |
| Internal capital growth rate | 3.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $23.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 30.82% | 30.82% | 32.08% | 13.70% | $68.1M |
| Q4 2023 | 31.61% | 31.61% | 32.87% | 13.83% | $67.0M |
| Q1 2024 | 32.00% | 32.00% | 33.26% | 13.80% | $67.0M |
| Q2 2024 | 29.84% | 29.84% | 31.09% | 13.69% | $72.4M |
| Q3 2024 | 29.98% | 29.98% | 31.24% | 13.89% | $72.6M |
| Q4 2024 | 28.42% | 28.42% | 29.67% | 14.06% | $77.8M |
| Q1 2025 | 28.90% | 28.90% | 30.16% | 13.90% | $77.0M |
| Q2 2025 | 28.49% | 28.49% | 29.74% | 13.96% | $78.8M |
| Q3 2025 | 28.89% | 28.89% | 30.15% | 13.90% | $78.2M |
| Q4 2025 | 29.23% | 29.23% | 30.49% | 13.74% | $77.9M |
| Q1 2026 | 29.37% | 29.37% | 30.63% | 13.73% | $77.9M |
| Q2 2026 | 26.41% | 26.41% | 27.66% | 13.63% | $87.3M |
Millville Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Millville 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 Millville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30183) · FFIEC NIC profile (RSSD 814476)