Needham 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 Accumulated other comprehensive income: 41.3% lower than in Q1 2026, at -$8.0M. On CET1 ratio, Needham Bank is 5th from the bottom among 59 Massachusetts banks, 11.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Needham Bank sits 1.98 points lower, at 11.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.50% |
| Tier 1 risk-based capital ratio | 11.50% |
| Total risk-based capital ratio | 12.31% |
| Tier 1 leverage ratio | 10.89% |
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 | $780.6M |
| Tier 1 capital | $780.6M |
| Total risk-based capital | $835.7M |
| Total equity capital | $810.6M |
| Risk-weighted assets | $6.79B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.93% |
| Tangible equity to tangible assets | 10.50% |
| Equity capital to average assets | 11.24% |
| Internal capital growth rate | 11.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $419.6M |
| Retained earnings | $399.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| 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 | — | — | — | 9.13% | — |
| Q4 2023 | — | — | — | 13.62% | — |
| Q1 2024 | 13.87% | 13.87% | 14.82% | 13.50% | $4.29B |
| Q2 2024 | 13.92% | 13.92% | 14.93% | 13.19% | $4.33B |
| Q3 2024 | 13.00% | 13.00% | 13.89% | 12.63% | $4.62B |
| Q4 2024 | 13.20% | 13.20% | 14.11% | 12.51% | $4.65B |
| Q1 2025 | 12.93% | 12.93% | 13.79% | 12.47% | $4.83B |
| Q2 2025 | 13.17% | 13.17% | 14.10% | 12.61% | $4.85B |
| Q3 2025 | 13.02% | 13.02% | 13.94% | 12.59% | $5.02B |
| Q4 2025 | 11.62% | 11.62% | 12.37% | 10.90% | $6.39B |
| Q1 2026 | 11.44% | 11.44% | 12.25% | 11.04% | $6.63B |
| Q2 2026 | 11.50% | 11.50% | 12.31% | 10.89% | $6.79B |
Needham Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Needham 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 Needham Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26483) · FFIEC NIC profile (RSSD 339773)