Northeast 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 7.4% from Q1 2026 to Q2 2026, ending at $494.2M against $459.9M. It was the largest change among the key lines on this page. Within Maine, Northeast Bank is 9th of 16 on CET1 ratio, 13.46% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; Northeast Bank reported 13.46% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.46% |
| Tier 1 risk-based capital ratio | 13.46% |
| Total risk-based capital ratio | 14.71% |
| Tier 1 leverage ratio | 11.90% |
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 | $603.9M |
| Tier 1 capital | $603.9M |
| Total risk-based capital | $660.1M |
| Total equity capital | $603.9M |
| Risk-weighted assets | $4.49B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 11.55% |
| Equity capital to average assets | 11.89% |
| Internal capital growth rate | 24.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.6M |
| Common stock surplus | $101.3M |
| Retained earnings | $494.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$165K |
| 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 | 12.45% | 12.45% | 13.46% | 10.95% | $2.50B |
| Q4 2023 | 12.63% | 12.63% | 13.71% | 11.28% | $2.59B |
| Q1 2024 | 13.24% | 13.24% | 14.22% | 11.79% | $2.66B |
| Q2 2024 | 13.84% | 13.84% | 14.82% | 12.30% | $2.72B |
| Q3 2024 | 11.45% | 11.45% | 12.70% | 12.06% | $3.43B |
| Q4 2024 | 12.66% | 12.66% | 13.91% | 11.16% | $3.50B |
| Q1 2025 | 12.73% | 12.73% | 13.98% | 11.46% | $3.67B |
| Q2 2025 | 13.45% | 13.45% | 14.70% | 11.64% | $3.67B |
| Q3 2025 | 13.86% | 13.86% | 15.11% | 12.22% | $3.70B |
| Q4 2025 | 12.47% | 12.47% | 13.73% | 12.19% | $4.30B |
| Q1 2026 | 12.95% | 12.95% | 14.20% | 11.40% | $4.38B |
| Q2 2026 | 13.46% | 13.46% | 14.71% | 11.90% | $4.49B |
Northeast Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast 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 Northeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19690) · FFIEC NIC profile (RSSD 468806)