North Shore Trust and Savings: 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%.
Equity capital to total assets rose 0.55 percentage points from Q1 2026 to Q2 2026, ending at 23.06% against 22.51%. It was the largest change among the key lines on this page.
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 | 25.24% |
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 | $68.3M |
| Tier 1 capital | $68.3M |
| Total risk-based capital | — |
| Total equity capital | $62.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.06% |
| Tangible equity to tangible assets | 23.06% |
| Equity capital to average assets | 23.03% |
| Internal capital growth rate | 6.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $27.9M |
| Retained earnings | $43.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 25.80% | 21.05% | 21.05% |
| Q4 2023 | 24.72% | 21.42% | 21.42% |
| Q1 2024 | 24.26% | 20.57% | 20.57% |
| Q2 2024 | 24.00% | 20.57% | 20.57% |
| Q3 2024 | 23.96% | 21.28% | 21.28% |
| Q4 2024 | 23.53% | 20.09% | 20.09% |
| Q1 2025 | 23.11% | 20.25% | 20.25% |
| Q2 2025 | 23.20% | 21.03% | 21.03% |
| Q3 2025 | 24.11% | 22.03% | 22.03% |
| Q4 2025 | 24.32% | 22.72% | 22.72% |
| Q1 2026 | 24.93% | 22.51% | 22.51% |
| Q2 2026 | 25.24% | 23.06% | 23.06% |
North Shore Trust and Savings regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Trust and Savings, 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 Trust and Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27683) · FFIEC NIC profile (RSSD 775773)