Patriots 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%.
Accumulated other comprehensive income climbed 19.4% in Q2 2026, from -$1.7M to -$1.3M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.20% |
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 | $25.0M |
| Tier 1 capital | $25.0M |
| Total risk-based capital | — |
| Total equity capital | $23.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.80% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 8.71% |
| Internal capital growth rate | -1.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $193K |
| Common stock surplus | $2.9M |
| Retained earnings | $21.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 9.68% | 9.68% | 10.62% | 7.45% | $179.7M |
| Q4 2023 | 10.10% | 10.10% | 11.05% | 7.88% | $181.4M |
| Q1 2024 | 10.46% | 10.46% | 11.42% | 8.22% | $182.7M |
| Q2 2024 | 10.42% | 10.42% | 11.37% | 8.31% | $189.2M |
| Q3 2024 | 10.83% | 10.83% | 11.81% | 8.47% | $189.0M |
| Q4 2024 | 11.05% | 11.05% | 12.04% | 8.71% | $191.2M |
| Q1 2025 | 12.19% | 12.19% | 13.26% | 9.18% | $180.9M |
| Q2 2025 | 11.59% | 11.59% | 12.62% | 9.10% | $193.3M |
| Q3 2025 | 11.62% | 11.62% | 12.64% | 9.37% | $202.6M |
| Q4 2025 | 11.30% | 11.30% | 12.26% | 9.11% | $210.2M |
| Q1 2026 | 11.63% | 11.63% | 12.62% | 9.31% | $215.6M |
| Q2 2026 | — | — | — | 9.20% | — |
Patriots Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriots 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 Patriots Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18019) · FFIEC NIC profile (RSSD 297051)