New Haven 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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.4% between Q1 2026 and Q2 2026, to -$7.9M. New Haven Bank has the 2nd lowest CET1 ratio of the 17 banks headquartered in Connecticut, at 10.70% as of Q2 2026. New Haven Bank reported 10.70% on CET1 ratio for Q2 2026, 4.37 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.70% |
| Tier 1 risk-based capital ratio | 10.70% |
| Total risk-based capital ratio | 11.94% |
| Tier 1 leverage ratio | 8.23% |
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 | $16.5M |
| Tier 1 capital | $16.5M |
| Total risk-based capital | $18.4M |
| Total equity capital | $16.0M |
| Risk-weighted assets | $153.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.99% |
| Tangible equity to tangible assets | 7.99% |
| Equity capital to average assets | 7.99% |
| Internal capital growth rate | 2.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $24.4M |
| Retained earnings | -$7.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$475K |
| 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 | 12.50% | 12.50% | 13.75% | 10.12% | $144.7M |
| Q4 2023 | 11.58% | 11.58% | 12.83% | 9.56% | $152.1M |
| Q1 2024 | 11.08% | 11.08% | 12.31% | 9.17% | $155.9M |
| Q2 2024 | 10.90% | 10.90% | 12.13% | 8.96% | $155.3M |
| Q3 2024 | 10.67% | 10.67% | 11.88% | 8.79% | $155.7M |
| Q4 2024 | 10.54% | 10.54% | 11.79% | 8.31% | $154.7M |
| Q1 2025 | 10.62% | 10.62% | 11.87% | 8.19% | $151.8M |
| Q2 2025 | 10.49% | 10.49% | 11.72% | 8.14% | $152.5M |
| Q3 2025 | 10.56% | 10.56% | 11.81% | 8.33% | $152.3M |
| Q4 2025 | 10.52% | 10.52% | 11.76% | 8.24% | $154.8M |
| Q1 2026 | 10.60% | 10.60% | 11.84% | 8.25% | $154.2M |
| Q2 2026 | 10.70% | 10.70% | 11.94% | 8.23% | $153.8M |
New Haven Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Haven 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 New Haven Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58952) · FFIEC NIC profile (RSSD 3843392)