Reading 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%.
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.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 6.62%. On CET1 ratio, Reading Co-Operative Bank is 1st from the bottom among 59 Massachusetts banks, 10.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Reading Co-Operative Bank sits 2.89 points lower, at 10.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.61% |
| Tier 1 risk-based capital ratio | 10.61% |
| Total risk-based capital ratio | 11.33% |
| Tier 1 leverage ratio | 7.35% |
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 | $85.1M |
| Tier 1 capital | $85.1M |
| Total risk-based capital | $90.8M |
| Total equity capital | $77.0M |
| Risk-weighted assets | $802.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.49% |
| Tangible equity to tangible assets | 5.99% |
| Equity capital to average assets | 6.62% |
| Internal capital growth rate | 6.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $91.4M |
| Retained earnings | $0 |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.3M |
| 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 | 12.07% | 12.07% | 12.92% | 7.91% | $567.5M |
| Q4 2023 | 11.91% | 11.91% | 12.81% | 7.76% | $576.6M |
| Q1 2024 | 11.97% | 11.97% | 12.84% | 7.66% | $576.1M |
| Q2 2024 | 11.71% | 11.71% | 12.57% | 7.63% | $592.2M |
| Q3 2024 | 11.59% | 11.59% | 12.40% | 7.66% | $603.0M |
| Q4 2024 | 11.45% | 11.45% | 12.26% | 7.68% | $617.4M |
| Q1 2025 | 11.54% | 11.54% | 12.36% | 7.71% | $617.3M |
| Q2 2025 | 9.82% | 9.82% | 10.62% | 6.92% | $783.4M |
| Q3 2025 | 10.44% | 10.44% | 11.23% | 6.84% | $766.4M |
| Q4 2025 | 10.29% | 10.29% | 10.99% | 7.01% | $794.1M |
| Q1 2026 | 10.62% | 10.62% | 11.33% | 7.14% | $789.4M |
| Q2 2026 | 10.61% | 10.61% | 11.33% | 7.35% | $802.1M |
Reading Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Reading 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 Reading Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26620) · FFIEC NIC profile (RSSD 1008674)