North County 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%.
Risk-weighted assets rose 6.0% from Q1 2026 to Q2 2026, ending at $25.0M against $23.6M. It was the largest change among the key lines on this page. North County Savings Bank ranks 40th of 198 Illinois banks on CET1 ratio, in the upper half at 21.38% (Q2 2026). The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. North County Savings Bank sits 1.88 points higher, at 21.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.38% |
| Tier 1 risk-based capital ratio | 21.38% |
| Total risk-based capital ratio | 21.90% |
| Tier 1 leverage ratio | 8.45% |
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 | $5.4M |
| Tier 1 capital | $5.4M |
| Total risk-based capital | $5.5M |
| Total equity capital | $5.1M |
| Risk-weighted assets | $25.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.04% |
| Tangible equity to tangible assets | 8.04% |
| Equity capital to average assets | 8.02% |
| Internal capital growth rate | 5.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$274K |
| 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 | 23.65% | 23.65% | 24.29% | 8.16% | $22.7M |
| Q4 2023 | 22.47% | 22.47% | 23.07% | 8.09% | $23.6M |
| Q1 2024 | 22.66% | 22.66% | 23.27% | 8.18% | $23.2M |
| Q2 2024 | 22.46% | 22.46% | 23.06% | 8.06% | $23.3M |
| Q3 2024 | 22.32% | 22.32% | 22.93% | 8.10% | $23.3M |
| Q4 2024 | 21.82% | 21.82% | 22.39% | 8.20% | $23.5M |
| Q1 2025 | 22.03% | 22.03% | 22.60% | 8.38% | $23.3M |
| Q2 2025 | 22.23% | 22.23% | 22.80% | 8.19% | $23.2M |
| Q3 2025 | 22.19% | 22.19% | 22.76% | 8.13% | $23.3M |
| Q4 2025 | 22.20% | 22.20% | 22.76% | 8.21% | $23.5M |
| Q1 2026 | 22.36% | 22.36% | 22.90% | 8.34% | $23.6M |
| Q2 2026 | 21.38% | 21.38% | 21.90% | 8.45% | $25.0M |
North County Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North County 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 North County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30656) · FFIEC NIC profile (RSSD 482370)