Piermont 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 standout move of Q2 2026 was in Retained earnings: 10.1% lower than in Q1 2026, at -$28.2M. On CET1 ratio, Piermont Bank is 3rd from the bottom among 82 New York banks, 11.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Piermont Bank sits 4.04 points lower, at 11.03% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.03% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 17.89% |
| Tier 1 leverage ratio | 12.70% |
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 | $40.4M |
| Tier 1 capital | $62.7M |
| Total risk-based capital | $65.6M |
| Total equity capital | $58.6M |
| Risk-weighted assets | $366.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.61% |
| Tangible equity to tangible assets | 11.61% |
| Equity capital to average assets | 11.88% |
| Internal capital growth rate | -17.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $27.6M |
| Common stock surplus | $41.5M |
| Retained earnings | -$28.2M |
| Preferred stock and surplus | $22.3M |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 13.09% | 18.75% | 19.94% | 13.42% | $393.3M |
| Q4 2023 | 13.38% | 19.09% | 20.30% | 13.07% | $390.0M |
| Q1 2024 | 14.34% | 20.36% | 21.56% | 12.33% | $370.3M |
| Q2 2024 | 13.90% | 19.72% | 20.90% | 12.46% | $383.2M |
| Q3 2024 | 14.74% | 20.93% | 22.10% | 12.73% | $360.1M |
| Q4 2024 | 13.74% | 20.19% | 21.45% | 12.66% | $345.3M |
| Q1 2025 | 13.65% | 20.21% | 21.46% | 13.45% | $340.0M |
| Q2 2025 | 14.23% | 20.99% | 22.24% | 13.88% | $329.8M |
| Q3 2025 | 13.97% | 20.87% | 22.12% | 14.02% | $322.9M |
| Q4 2025 | 12.99% | 19.67% | 20.41% | 13.27% | $333.7M |
| Q1 2026 | 12.03% | 18.57% | 19.40% | 12.63% | $341.0M |
| Q2 2026 | 11.03% | 17.11% | 17.89% | 12.70% | $366.5M |
Piermont Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Piermont 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 Piermont Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59154) · FFIEC NIC profile (RSSD 5342974)