Ridgewood Savings 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 2.8% in Q2 2026 to -$92.2M, the biggest move on this page.
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 | 13.27% |
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 | $991.3M |
| Tier 1 capital | $991.5M |
| Total risk-based capital | — |
| Total equity capital | $962.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.75% |
| Tangible equity to tangible assets | 11.81% |
| Equity capital to average assets | 12.62% |
| Internal capital growth rate | 7.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $46.4M |
| Retained earnings | $1.01B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$92.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 13.18% | 11.19% | 10.14% |
| Q4 2023 | 13.20% | 11.79% | 10.77% |
| Q1 2024 | 13.23% | 11.74% | 10.71% |
| Q2 2024 | 13.26% | 11.81% | 10.79% |
| Q3 2024 | 13.20% | 12.06% | 11.07% |
| Q4 2024 | 13.08% | 11.97% | 10.98% |
| Q1 2025 | 13.02% | 12.09% | 11.11% |
| Q2 2025 | 13.11% | 12.32% | 11.35% |
| Q3 2025 | 13.18% | 12.46% | 11.50% |
| Q4 2025 | 13.11% | 12.58% | 11.63% |
| Q1 2026 | 13.14% | 12.58% | 11.64% |
| Q2 2026 | 13.27% | 12.75% | 11.81% |
Ridgewood Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ridgewood Savings 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 Ridgewood Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16026) · FFIEC NIC profile (RSSD 859712)