Northfield Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.96% +1.96 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $172.5M | 172,481 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.57B | 1,573,504 | RCOAA224 |
| Recomputed ratio | 10.96% | numerator / denominator | |
| Filed ratio | 10.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.96 pp | $30.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1 | 1 | 1 | 1 | 1 | 1 | RCOAP742 |
| Retained earnings | 172,480 | 169,313 | 166,905 | 164,937 | 163,125 | 161,513 | RCOAKW00 |
| Accumulated other comprehensive income | (15,661) | (15,956) | (14,799) | (17,160) | (20,437) | (22,776) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 156,820 | 153,358 | 152,107 | 147,778 | 142,689 | 138,738 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 15,661 | 15,956 | 14,799 | 17,160 | 20,437 | 22,776 | P859 - P840 |
| Common equity Tier 1 capital | 172,481 | 169,314 | 166,906 | 164,938 | 163,126 | 161,514 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 172,481 | 169,314 | 166,906 | 164,938 | 163,126 | 161,514 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,573,504 | 1,582,745 | 1,632,104 | 1,592,384 | 1,575,234 | 1,581,572 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.96% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.70% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.23% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.36% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.36% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.21% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.30% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.30% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.45% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 10.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 10.22% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.46% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Northfield Savings Bank (this bank) | CBLR | NA | NA | NA | 10.96% | |
| Exchange Bank | $1.58B | CBLR | NA | NA | NA | 11.39% |
| Newburyport Five Cents Savings Bank | $1.57B | Risk-based | 11.67% | 11.67% | 12.92% | 9.76% |
| First Keystone Community Bank | $1.57B | Risk-based | 15.34% | 15.34% | 16.23% | 9.69% |
| Chambers Bank | $1.59B | Risk-based | 15.47% | 15.47% | 16.57% | 12.57% |
| Cortrust Bank N.A. | $1.56B | Risk-based | 13.27% | 13.27% | 14.30% | 9.92% |
| Vinton County National Bank | $1.59B | CBLR | NA | NA | NA | 10.49% |
| Sterling Bank | $1.56B | Risk-based | 16.81% | 16.81% | 18.06% | 11.14% |
| Banksouth | $1.59B | Risk-based | 14.07% | 14.07% | 15.32% | 10.17% |
| City First Bank, N.A. | $1.56B | CBLR | NA | NA | NA | 13.20% |
| Peoples Bank and Trust Company | $1.59B | Risk-based | 11.05% | 11.05% | 12.30% | 9.27% |
| Peer 25th percentile | 12.47% | 12.47% | 13.61% | 9.80% | ||
| Peer median | 14.07% | 14.07% | 15.32% | 10.33% | ||
| Peer 75th percentile | 15.41% | 15.41% | 16.40% | 11.33% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/520003/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.