Pittsfield Co-Operative 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%.
Risk-weighted assets rose 3.0% from Q1 2026 to Q2 2026, ending at $326.0M against $316.5M. It was the largest change among the key lines on this page. Pittsfield Co-Operative Bank ranks 8th of 59 Massachusetts banks on CET1 ratio, in the upper half at 18.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Pittsfield Co-Operative Bank sits 3.56 points higher, at 18.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.63% |
| Tier 1 risk-based capital ratio | 18.63% |
| Total risk-based capital ratio | 19.36% |
| Tier 1 leverage ratio | 13.41% |
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 | $60.7M |
| Tier 1 capital | $60.7M |
| Total risk-based capital | $63.1M |
| Total equity capital | $55.6M |
| Risk-weighted assets | $326.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.32% |
| Tangible equity to tangible assets | 12.32% |
| Equity capital to average assets | 12.28% |
| Internal capital growth rate | 2.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $3.9M |
| Retained earnings | $56.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 18.45% | 18.45% | 19.38% | 13.49% | $285.2M |
| Q4 2023 | 21.84% | 21.84% | 22.68% | 15.39% | $281.9M |
| Q1 2024 | 21.79% | 21.79% | 22.64% | 15.54% | $283.8M |
| Q2 2024 | 22.96% | 22.96% | 23.85% | 15.91% | $268.3M |
| Q3 2024 | 21.32% | 21.32% | 22.15% | 15.45% | $289.1M |
| Q4 2024 | 21.77% | 21.77% | 22.63% | 15.06% | $283.4M |
| Q1 2025 | 20.75% | 20.75% | 21.59% | 14.90% | $297.2M |
| Q2 2025 | 21.69% | 21.69% | 22.47% | 14.85% | $285.0M |
| Q3 2025 | 20.45% | 20.45% | 21.19% | 14.58% | $301.3M |
| Q4 2025 | 19.35% | 19.35% | 20.09% | 14.11% | $312.0M |
| Q1 2026 | 19.09% | 19.09% | 19.85% | 13.71% | $316.5M |
| Q2 2026 | 18.63% | 18.63% | 19.36% | 13.41% | $326.0M |
Pittsfield Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pittsfield Co-Operative 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 Pittsfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)