Rockland Savings Bank, FSB: 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%.
Equity capital to total assets rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 10.25% against 9.95%. It was the largest change among the key lines on this page. Within Maine, Rockland Savings Bank, FSB is 7th of 16 on CET1 ratio, 14.54% as of Q2 2026, above the middle of the field. Rockland Savings Bank, FSB reported 14.54% on CET1 ratio for Q2 2026, 5.02 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 9.67% |
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 | $8.9M |
| Tier 1 capital | $8.9M |
| Total risk-based capital | $9.5M |
| Total equity capital | $9.3M |
| Risk-weighted assets | $60.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 10.12% |
| Internal capital growth rate | 2.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $9.2M |
| Retained earnings | $156K |
| 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 | — | — | — | 10.10% | — |
| Q4 2023 | — | — | — | 9.67% | — |
| Q1 2024 | 12.91% | 12.91% | 13.83% | 9.30% | $67.3M |
| Q2 2024 | 12.76% | 12.76% | 13.67% | 9.05% | $67.4M |
| Q3 2024 | 12.96% | 12.96% | 13.89% | 9.06% | $66.4M |
| Q4 2024 | 12.85% | 12.85% | 13.82% | 9.01% | $66.1M |
| Q1 2025 | 13.01% | 13.01% | 14.00% | 9.12% | $65.5M |
| Q2 2025 | 13.13% | 13.13% | 14.14% | 9.19% | $65.2M |
| Q3 2025 | 13.42% | 13.42% | 14.40% | 9.24% | $64.3M |
| Q4 2025 | 13.57% | 13.57% | 14.57% | 9.30% | $63.8M |
| Q1 2026 | 14.04% | 14.04% | 15.06% | 9.46% | $62.5M |
| Q2 2026 | 14.54% | 14.54% | 15.60% | 9.67% | $60.9M |
Rockland Savings Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Savings Bank, FSB, 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 Rockland Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28369) · FFIEC NIC profile (RSSD 95677)