Rockland Trust Company: 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%.
Accumulated other comprehensive income dropped 19.0% in Q2 2026, from -$49.3M to -$58.7M. It was the largest change from Q1 2026 among the key lines here. Rockland Trust Company ranks 24th of 59 Massachusetts banks on CET1 ratio, in the upper half at 14.86% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Rockland Trust Company sits 1.90 points higher, at 14.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.86% |
| Tier 1 risk-based capital ratio | 14.86% |
| Total risk-based capital ratio | 15.85% |
| Tier 1 leverage ratio | 11.83% |
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 | $2.78B |
| Tier 1 capital | $2.78B |
| Total risk-based capital | $2.96B |
| Total equity capital | $3.89B |
| Risk-weighted assets | $18.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.60% |
| Tangible equity to tangible assets | 11.30% |
| Equity capital to average assets | 15.81% |
| Internal capital growth rate | 0.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $3.37B |
| Retained earnings | $585.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58.7M |
| 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 | 14.28% | 14.28% | 15.21% | 11.01% | $14.29B |
| Q4 2023 | 14.37% | 14.37% | 15.31% | 11.10% | $14.26B |
| Q1 2024 | 14.40% | 14.40% | 15.38% | 11.12% | $14.25B |
| Q2 2024 | 14.51% | 14.51% | 15.52% | 11.17% | $14.22B |
| Q3 2024 | 14.53% | 14.53% | 15.48% | 11.19% | $14.21B |
| Q4 2024 | 14.46% | 14.46% | 15.43% | 11.18% | $14.33B |
| Q1 2025 | 15.31% | 15.31% | 16.26% | 12.05% | $14.61B |
| Q2 2025 | 15.35% | 15.35% | 16.29% | 11.95% | $14.64B |
| Q3 2025 | 14.32% | 14.32% | 15.26% | 11.27% | $18.73B |
| Q4 2025 | 14.51% | 14.51% | 15.46% | 11.45% | $18.80B |
| Q1 2026 | 14.77% | 14.77% | 15.73% | 11.72% | $18.70B |
| Q2 2026 | 14.86% | 14.86% | 15.85% | 11.83% | $18.69B |
Rockland Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Trust Company, 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 Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9712) · FFIEC NIC profile (RSSD 613008)