North Cambridge Co-Operative 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 13.1% in Q2 2026, from $1.3M to $1.5M. It was the largest change from Q1 2026 among the key lines here. North Cambridge Co-Operative Bank has the highest CET1 ratio of the 59 banks headquartered in Massachusetts, 64.52% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, North Cambridge Co-Operative Bank reported 64.52% on CET1 ratio in Q2 2026, 44.96 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 64.52% |
| Tier 1 risk-based capital ratio | 64.52% |
| Total risk-based capital ratio | 65.77% |
| Tier 1 leverage ratio | 29.10% |
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 | $23.7M |
| Tier 1 capital | $23.7M |
| Total risk-based capital | $24.2M |
| Total equity capital | $25.3M |
| Risk-weighted assets | $36.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 29.00% |
| Tangible equity to tangible assets | 29.00% |
| Equity capital to average assets | 30.95% |
| Internal capital growth rate | 4.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $23.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1.5M |
| 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 | 58.22% | 58.22% | 59.47% | 26.11% | $38.0M |
| Q4 2023 | 58.95% | 58.95% | 60.21% | 26.31% | $38.0M |
| Q1 2024 | 58.90% | 58.90% | 60.15% | 27.14% | $38.4M |
| Q2 2024 | 59.82% | 59.82% | 61.07% | 27.46% | $38.0M |
| Q3 2024 | 62.77% | 62.77% | 64.02% | 28.03% | $36.7M |
| Q4 2024 | 62.59% | 62.59% | 63.84% | 27.77% | $36.9M |
| Q1 2025 | 62.23% | 62.23% | 63.48% | 28.61% | $37.4M |
| Q2 2025 | 62.81% | 62.81% | 64.06% | 28.72% | $37.4M |
| Q3 2025 | 63.76% | 63.76% | 65.00% | 28.36% | $37.1M |
| Q4 2025 | 63.81% | 63.81% | 65.06% | 28.72% | $37.1M |
| Q1 2026 | 63.29% | 63.29% | 64.54% | 28.49% | $37.1M |
| Q2 2026 | 64.52% | 64.52% | 65.77% | 29.10% | $36.8M |
North Cambridge Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North Cambridge Co-Operative 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 North Cambridge Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26567) · FFIEC NIC profile (RSSD 931270)