North Shore Bank of Commerce: 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%.
In Q2 2026, Accumulated other comprehensive income edged up by 2.3%, from -$1.9M to -$1.8M, the largest move among the key lines here.
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 | 8.74% |
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 | $51.7M |
| Tier 1 capital | $51.7M |
| Total risk-based capital | — |
| Total equity capital | $49.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
| Equity capital to average assets | 8.43% |
| Internal capital growth rate | 1.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $31.6M |
| Retained earnings | $19.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 9.28% | 8.11% | 8.11% |
| Q4 2023 | 9.03% | 8.19% | 8.19% |
| Q1 2024 | 8.64% | 7.77% | 7.77% |
| Q2 2024 | 8.40% | 7.69% | 7.69% |
| Q3 2024 | 8.54% | 8.08% | 8.08% |
| Q4 2024 | 9.46% | 8.96% | 8.96% |
| Q1 2025 | 9.51% | 8.88% | 8.88% |
| Q2 2025 | 8.93% | 8.25% | 8.25% |
| Q3 2025 | 8.89% | 8.53% | 8.53% |
| Q4 2025 | 9.14% | 8.68% | 8.68% |
| Q1 2026 | 8.89% | 8.55% | 8.55% |
| Q2 2026 | 8.74% | 8.33% | 8.33% |
North Shore Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Bank of Commerce, 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 of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8850) · FFIEC NIC profile (RSSD 126553)