Primary 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%.
Retained earnings rose 7.3% from Q1 2026 to Q2 2026, ending at $60.4M against $56.3M. It was the largest change among the key lines on this page. On CET1 ratio, Primary Bank ranks 2nd highest among the 8 banks headquartered in New Hampshire, at 16.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Primary Bank sits 1.29 points higher, at 16.36% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.36% |
| Tier 1 risk-based capital ratio | 16.36% |
| Total risk-based capital ratio | 17.40% |
| Tier 1 leverage ratio | 16.32% |
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 | $121.4M |
| Tier 1 capital | $121.4M |
| Total risk-based capital | $129.1M |
| Total equity capital | $121.4M |
| Risk-weighted assets | $742.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.78% |
| Tangible equity to tangible assets | 15.78% |
| Equity capital to average assets | 16.32% |
| Internal capital growth rate | 14.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $49K |
| Common stock surplus | $61.0M |
| Retained earnings | $60.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 14.24% | 14.24% | 15.29% | 12.42% | $607.6M |
| Q4 2023 | 14.16% | 14.16% | 15.24% | 12.69% | $623.4M |
| Q1 2024 | 14.60% | 14.60% | 15.57% | 13.30% | $622.1M |
| Q2 2024 | 14.65% | 14.65% | 15.73% | 13.74% | $636.6M |
| Q3 2024 | 14.97% | 14.97% | 16.04% | 14.09% | $645.0M |
| Q4 2024 | 15.39% | 15.39% | 16.45% | 14.06% | $649.1M |
| Q1 2025 | 15.80% | 15.80% | 16.88% | 15.01% | $649.3M |
| Q2 2025 | 15.71% | 15.71% | 16.78% | 15.03% | $673.6M |
| Q3 2025 | 15.61% | 15.61% | 16.65% | 15.03% | $702.5M |
| Q4 2025 | 16.06% | 16.06% | 17.13% | 15.32% | $703.7M |
| Q1 2026 | 16.40% | 16.40% | 17.49% | 16.16% | $711.9M |
| Q2 2026 | 16.36% | 16.36% | 17.40% | 16.32% | $742.1M |
Primary Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Primary 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 Primary Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59086) · FFIEC NIC profile (RSSD 4845861)