The North Country 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%.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 2.6% to $50.5M. The North Country Savings Bank ranks 16th of 82 New York banks on CET1 ratio, in the upper half at 23.61% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, The North Country Savings Bank reported 23.61% on CET1 ratio in Q2 2026, 8.54 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.61% |
| Tier 1 risk-based capital ratio | 23.61% |
| Total risk-based capital ratio | 24.23% |
| Tier 1 leverage ratio | 14.53% |
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 | $53.4M |
| Tier 1 capital | $53.4M |
| Total risk-based capital | $54.8M |
| Total equity capital | $50.5M |
| Risk-weighted assets | $226.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.52% |
| Tangible equity to tangible assets | 13.52% |
| Equity capital to average assets | 13.74% |
| Internal capital growth rate | 10.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $53.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 23.58% | 23.58% | 24.08% | 14.81% | $193.5M |
| Q4 2023 | 21.95% | 21.95% | 22.45% | 14.01% | $201.0M |
| Q1 2024 | 22.05% | 22.05% | 22.60% | 13.74% | $202.5M |
| Q2 2024 | 22.56% | 22.56% | 23.11% | 14.01% | $201.9M |
| Q3 2024 | 22.36% | 22.36% | 22.90% | 14.17% | $207.5M |
| Q4 2024 | 22.51% | 22.51% | 23.05% | 14.10% | $209.1M |
| Q1 2025 | 22.91% | 22.91% | 23.49% | 14.16% | $209.6M |
| Q2 2025 | 22.95% | 22.95% | 23.53% | 14.44% | $214.5M |
| Q3 2025 | 22.99% | 22.99% | 23.58% | 14.38% | $218.5M |
| Q4 2025 | 23.08% | 23.08% | 23.67% | 14.33% | $221.0M |
| Q1 2026 | 23.54% | 23.54% | 24.16% | 14.36% | $221.5M |
| Q2 2026 | 23.61% | 23.61% | 24.23% | 14.53% | $226.1M |
The North Country Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Country 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 The North Country Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16030) · FFIEC NIC profile (RSSD 166111)