Northeast Community 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.62 percentage points to 17.55%. Northeast Community Bank ranks 45th of 82 New York banks on CET1 ratio, in the lower half at 15.05% (Q2 2026). Northeast Community Bank reported 15.05% on CET1 ratio for Q2 2026, 1.56 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.05% |
| Tier 1 risk-based capital ratio | 15.05% |
| Total risk-based capital ratio | 15.31% |
| Tier 1 leverage ratio | 17.32% |
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 | $346.0M |
| Tier 1 capital | $346.0M |
| Total risk-based capital | $352.1M |
| Total equity capital | $351.7M |
| Risk-weighted assets | $2.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.66% |
| Tangible equity to tangible assets | 16.66% |
| Equity capital to average assets | 17.55% |
| Internal capital growth rate | 12.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $84.3M |
| Retained earnings | $272.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $258K |
| 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 | 13.16% | 13.16% | 13.50% | 14.70% | $1.82B |
| Q4 2023 | 13.10% | 13.10% | 13.43% | 14.43% | $1.90B |
| Q1 2024 | 13.47% | 13.47% | 13.78% | 14.65% | $1.96B |
| Q2 2024 | 13.37% | 13.37% | 13.66% | 14.37% | $2.02B |
| Q3 2024 | 13.76% | 13.76% | 14.04% | 14.76% | $2.06B |
| Q4 2024 | 13.61% | 13.61% | 13.88% | 14.39% | $2.09B |
| Q1 2025 | 14.79% | 14.79% | 15.10% | 15.09% | $2.01B |
| Q2 2025 | 14.71% | 14.71% | 14.99% | 15.87% | $2.10B |
| Q3 2025 | 14.83% | 14.83% | 15.09% | 16.10% | $2.18B |
| Q4 2025 | 15.36% | 15.36% | 15.62% | 16.39% | $2.18B |
| Q1 2026 | 15.47% | 15.47% | 15.73% | 16.76% | $2.18B |
| Q2 2026 | 15.05% | 15.05% | 15.31% | 17.32% | $2.30B |
Northeast Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29147) · FFIEC NIC profile (RSSD 823478)