North Shore 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 biggest quarter-over-quarter change on this page was a small one: Common equity Tier 1 capital edged up 1.9% between Q1 2026 and Q2 2026, to $372.2M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.45% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $372.2M |
| Tier 1 capital | $372.2M |
| Total risk-based capital | — |
| Total equity capital | $399.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.31% |
| Tangible equity to tangible assets | 14.41% |
| Equity capital to average assets | 15.34% |
| Internal capital growth rate | 6.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $399.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$252K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.13% | 12.90% | 11.94% |
| Q4 2023 | 12.35% | 13.18% | 12.22% |
| Q1 2024 | 12.71% | 13.42% | 12.47% |
| Q2 2024 | 12.82% | 13.56% | 12.62% |
| Q3 2024 | 12.92% | 13.68% | 12.75% |
| Q4 2024 | 12.97% | 13.82% | 12.90% |
| Q1 2025 | 13.51% | 14.88% | 13.92% |
| Q2 2025 | 14.18% | 15.02% | 14.07% |
| Q3 2025 | 14.11% | 14.88% | 13.95% |
| Q4 2025 | 14.06% | 15.05% | 14.13% |
| Q1 2026 | 14.41% | 15.16% | 14.24% |
| Q2 2026 | 14.45% | 15.31% | 14.41% |
North Shore Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore 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 Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28679) · FFIEC NIC profile (RSSD 376273)