Northwest 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%.
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.
Risk-weighted assets rose 2.8% from Q1 2026 to Q2 2026, ending at $916.8M against $892.2M. It was the largest change among the key lines on this page. Northwest Community Bank ranks 13th of 17 Connecticut banks on CET1 ratio, in the lower half at 11.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Northwest Community Bank sits 1.50 points lower, at 11.99% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.99% |
| Tier 1 risk-based capital ratio | 11.99% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 8.72% |
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 | $110.0M |
| Tier 1 capital | $110.0M |
| Total risk-based capital | $120.2M |
| Total equity capital | $86.8M |
| Risk-weighted assets | $916.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.92% |
| Tangible equity to tangible assets | 6.92% |
| Equity capital to average assets | 6.89% |
| Internal capital growth rate | 8.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $1K |
| Retained earnings | $110.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.1M |
| 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 | 13.38% | 13.38% | 14.63% | 8.82% | $735.9M |
| Q4 2023 | 13.23% | 13.23% | 14.48% | 8.84% | $749.2M |
| Q1 2024 | 13.01% | 13.01% | 14.27% | 8.76% | $765.2M |
| Q2 2024 | 12.84% | 12.84% | 14.09% | 8.61% | $776.1M |
| Q3 2024 | 12.86% | 12.86% | 14.11% | 8.63% | $780.5M |
| Q4 2024 | 12.64% | 12.64% | 13.89% | 8.64% | $802.2M |
| Q1 2025 | 12.58% | 12.58% | 13.82% | 8.55% | $811.7M |
| Q2 2025 | 12.62% | 12.62% | 13.86% | 8.71% | $820.7M |
| Q3 2025 | 12.44% | 12.44% | 13.64% | 8.78% | $843.8M |
| Q4 2025 | 12.25% | 12.25% | 13.42% | 8.78% | $871.1M |
| Q1 2026 | 12.12% | 12.12% | 13.27% | 8.70% | $892.2M |
| Q2 2026 | 11.99% | 11.99% | 13.11% | 8.72% | $916.8M |
Northwest Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest 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 Northwest Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18229) · FFIEC NIC profile (RSSD 545604)