Monson 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%.
Accumulated other comprehensive income climbed 21.0% in Q2 2026, from -$4.0M to -$3.2M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.55% |
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 | $78.8M |
| Tier 1 capital | $78.8M |
| Total risk-based capital | — |
| Total equity capital | $75.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.39% |
| Tangible equity to tangible assets | 9.39% |
| Equity capital to average assets | 9.16% |
| Internal capital growth rate | 11.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $78.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.46% | 8.47% | 8.47% |
| Q4 2023 | 9.59% | 9.12% | 9.12% |
| Q1 2024 | 9.62% | 8.97% | 8.97% |
| Q2 2024 | 9.38% | 8.65% | 8.65% |
| Q3 2024 | 9.41% | 8.87% | 8.87% |
| Q4 2024 | 9.42% | 8.96% | 8.96% |
| Q1 2025 | 9.49% | 8.83% | 8.83% |
| Q2 2025 | 9.57% | 8.87% | 8.87% |
| Q3 2025 | 9.78% | 9.29% | 9.29% |
| Q4 2025 | 9.93% | 9.51% | 9.51% |
| Q1 2026 | 9.79% | 8.94% | 8.94% |
| Q2 2026 | 9.55% | 9.39% | 9.39% |
Monson Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Monson 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 Monson Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90245) · FFIEC NIC profile (RSSD 951102)