North Easton 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%.
Accumulated other comprehensive income dropped 24.1% in Q2 2026, from -$9.9M to -$12.3M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, North Easton Savings Bank is 20th of 59 on CET1 ratio, 16.22% as of Q2 2026, above the middle of the field. North Easton Savings Bank reported 16.22% on CET1 ratio for Q2 2026, 2.74 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.22% |
| Tier 1 risk-based capital ratio | 16.22% |
| Total risk-based capital ratio | 16.80% |
| Tier 1 leverage ratio | 11.19% |
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 | $203.2M |
| Tier 1 capital | $203.2M |
| Total risk-based capital | $210.4M |
| Total equity capital | $210.4M |
| Risk-weighted assets | $1.25B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.40% |
| Tangible equity to tangible assets | 10.46% |
| Equity capital to average assets | 11.47% |
| Internal capital growth rate | 5.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $222.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.3M |
| 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 | 12.95% | 12.95% | 13.47% | 8.58% | $1.03B |
| Q4 2023 | 13.05% | 13.05% | 13.57% | 8.64% | $1.04B |
| Q1 2024 | 12.79% | 12.79% | 13.32% | 8.52% | $1.07B |
| Q2 2024 | 12.67% | 12.67% | 13.20% | 8.59% | $1.10B |
| Q3 2024 | 12.68% | 12.68% | 13.25% | 8.65% | $1.12B |
| Q4 2024 | 12.70% | 12.70% | 13.30% | 8.72% | $1.15B |
| Q1 2025 | 12.80% | 12.80% | 13.38% | 8.70% | $1.16B |
| Q2 2025 | 12.83% | 12.83% | 13.37% | 8.86% | $1.18B |
| Q3 2025 | 12.97% | 12.97% | 13.52% | 8.99% | $1.20B |
| Q4 2025 | 13.02% | 13.02% | 13.60% | 9.08% | $1.21B |
| Q1 2026 | 16.11% | 16.11% | 16.68% | 11.47% | $1.24B |
| Q2 2026 | 16.22% | 16.22% | 16.80% | 11.19% | $1.25B |
North Easton Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North Easton 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 Easton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90259) · FFIEC NIC profile (RSSD 527600)