Milton 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.5% to -$2.2M. Within Pennsylvania, Milton Savings Bank is 8th of 72 on CET1 ratio, 31.35% as of Q2 2026, above the middle of the field. Against a median of 19.57% for banks in the < $100M asset tier, Milton Savings Bank reported 31.35% on CET1 ratio in Q2 2026, 11.78 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.35% |
| Tier 1 risk-based capital ratio | 31.35% |
| Total risk-based capital ratio | 32.60% |
| Tier 1 leverage ratio | 16.89% |
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 | $15.3M |
| Tier 1 capital | $15.3M |
| Total risk-based capital | $16.0M |
| Total equity capital | $13.1M |
| Risk-weighted assets | $49.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.48% |
| Tangible equity to tangible assets | 14.48% |
| Equity capital to average assets | 14.44% |
| Internal capital growth rate | 2.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 52.31% | 52.31% | 53.56% | 22.30% | $30.8M |
| Q4 2023 | 51.42% | 51.42% | 52.67% | 22.79% | $31.2M |
| Q1 2024 | 50.62% | 50.62% | 51.87% | 21.74% | $31.3M |
| Q2 2024 | 48.02% | 48.02% | 49.26% | 21.27% | $32.8M |
| Q3 2024 | 39.50% | 39.50% | 40.73% | 20.98% | $39.5M |
| Q4 2024 | 42.68% | 42.68% | 43.93% | 20.38% | $36.3M |
| Q1 2025 | 38.56% | 38.56% | 39.81% | 19.16% | $39.8M |
| Q2 2025 | 36.70% | 36.70% | 37.95% | 18.55% | $41.6M |
| Q3 2025 | 34.74% | 34.74% | 35.99% | 18.10% | $43.9M |
| Q4 2025 | 33.24% | 33.24% | 34.50% | 17.74% | $45.8M |
| Q1 2026 | 31.96% | 31.96% | 33.21% | 17.09% | $47.8M |
| Q2 2026 | 31.35% | 31.35% | 32.60% | 16.89% | $49.0M |
Milton Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Milton 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 Milton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28637) · FFIEC NIC profile (RSSD 123075)