Newtown Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.89% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.89% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.63% +8.13 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $178.0M | 177,963 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.22B | 1,216,009 | RCOAA223 |
| Recomputed ratio | 14.63% | numerator / denominator | |
| Filed ratio | 14.63% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.13 pp | $98.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.63% +6.63 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $178.0M | 177,963 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.22B | 1,216,009 | RCOAA223 |
| Recomputed ratio | 14.63% | numerator / denominator | |
| Filed ratio | 14.63% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.63 pp | $80.7M | capital that could be lost first |
Total risk-based capital ratio 15.89% +5.89 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $193.2M | 193,224 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.22B | 1,216,009 | RCOAA223 |
| Recomputed ratio | 15.89% | numerator / denominator | |
| Filed ratio | 15.89% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.89 pp | $71.6M | capital that could be lost first |
Tier 1 leverage ratio 9.48% +4.48 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $178.0M | 177,963 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.88B | 1,877,004 | RCOAA224 |
| Recomputed ratio | 9.48% | numerator / denominator | |
| Filed ratio | 9.48% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.48 pp | $84.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,355 | 1,355 | 1,355 | 1,355 | 1,355 | 1,355 | RCOAP742 |
| Retained earnings | 176,608 | 172,988 | 169,545 | 164,844 | 160,461 | 157,404 | RCOAKW00 |
| Accumulated other comprehensive income | (10,896) | (11,045) | (10,440) | (10,246) | (11,632) | (12,789) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 167,067 | 163,298 | 160,460 | 155,953 | 150,184 | 145,970 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,896 | 11,045 | 10,440 | 10,246 | 11,632 | 12,789 | P859 - P840 |
| Common equity Tier 1 capital | 177,963 | 174,343 | 170,900 | 166,199 | 161,816 | 158,759 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 177,963 | 174,343 | 170,900 | 166,199 | 161,816 | 158,759 | RCOA8274 |
| Tier 2 capital | 15,261 | 14,587 | 14,998 | 14,937 | 14,848 | 14,397 | RCOA5311 |
| Allowance includable in Tier 2 capital | 15,261 | 14,587 | 14,998 | 14,937 | 14,848 | 14,397 | RCOA5310 |
| Total capital | 193,224 | 188,930 | 185,898 | 181,136 | 176,664 | 173,156 | RCOA3792 |
| Total risk-weighted assets | 1,216,009 | 1,162,220 | 1,195,643 | 1,191,163 | 1,184,456 | 1,148,445 | RCOAA223 |
| Average total assets for the leverage ratio | 1,877,004 | 1,914,505 | 1,896,047 | 1,898,151 | 1,829,954 | 1,851,590 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $59.2M | $4.1M | 6.91% | 0.34% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $221.5M | $51.5M | 23.27% | 4.22% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $998.7M | $501.5M | 50.21% | 41.07% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.4M | $2.2M | 150.00% | 0.18% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $527.8M | $516.5M | 97.85% | 42.30% | RC-R Part II, item 4.d, 5.d |
| All other assets | $88.7M | $92.9M | 104.74% | 7.61% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $32.2M | $31.1M | 96.68% | 2.55% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $659K | $659K | 100.00% | 0.05% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $20.5M | NA | 1.68% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.20B | ties to item 31 ($1.20B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.22B | RCONB704 |
| Less: excess allowance for credit losses | $4.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.22B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.63% | 14.63% | 15.89% | 9.48% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.00% | 15.00% | 16.26% | 9.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.29% | 14.29% | 15.55% | 9.01% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.95% | 13.95% | 15.21% | 8.76% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.66% | 13.66% | 14.92% | 8.84% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.82% | 13.82% | 15.08% | 8.57% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.56% | 13.56% | 14.81% | 8.43% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.89% | 13.89% | 15.14% | 8.08% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.05% | 14.05% | 15.30% | 8.17% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.27% | 14.27% | 15.53% | 8.08% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.71% | 13.71% | 14.97% | 8.03% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.74% | 13.74% | 15.00% | 7.76% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Newtown Savings Bank (this bank) | Risk-based | 14.63% | 14.63% | 15.89% | 9.48% | |
| Anchorage Digital Bank N.A. | $1.87B | CBLR | NA | NA | NA | 57.33% |
| Kennebec Savings Bank | $1.87B | Risk-based | 17.32% | 17.32% | 18.02% | 13.96% |
| FirstBank Southwest | $1.88B | Risk-based | 14.03% | 14.03% | 15.13% | 11.16% |
| American Bank of Commerce | $1.86B | CBLR | NA | NA | NA | 9.65% |
| Embassy Bank for the Lehigh Valley | $1.86B | Risk-based | 14.10% | 14.10% | 15.16% | 8.83% |
| Security National Bank of Omaha | $1.86B | Risk-based | 13.37% | 13.37% | 14.63% | 10.58% |
| Fall River Five Cents Savings Bank | $1.86B | Risk-based | 11.61% | 11.61% | 12.38% | 8.70% |
| The Citizens National Bank of Meridian | $1.89B | Risk-based | 13.60% | 13.60% | 14.63% | 11.28% |
| Blue Foundry Bank | $1.89B | Risk-based | 18.94% | 18.94% | 19.93% | 14.64% |
| Independent Bank | $1.85B | Risk-based | 10.22% | 10.22% | 11.05% | 10.60% |
| Peer 25th percentile | 12.93% | 12.93% | 14.07% | 9.88% | ||
| Peer median | 13.81% | 13.81% | 14.88% | 10.88% | ||
| Peer 75th percentile | 14.90% | 14.90% | 15.88% | 13.29% | ||
| This bank's percentile | 75 | 75 | 75 | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/507509/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.