Rollstone Bank & Trust: 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 rose 3.7% in Q2 2026 to -$15.7M, the biggest move on this page. Rollstone Bank & Trust ranks 37th of 59 Massachusetts banks on CET1 ratio, in the lower half at 13.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Rollstone Bank & Trust sits 1.60 points lower, at 13.47% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.47% |
| Tier 1 risk-based capital ratio | 13.47% |
| Total risk-based capital ratio | 14.28% |
| Tier 1 leverage ratio | 10.13% |
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 | $85.9M |
| Tier 1 capital | $85.9M |
| Total risk-based capital | $91.1M |
| Total equity capital | $70.2M |
| Risk-weighted assets | $637.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
| Equity capital to average assets | 8.28% |
| Internal capital growth rate | 0.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $85.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.7M |
| 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 | 12.88% | 12.88% | 13.81% | 9.98% | $702.9M |
| Q4 2023 | 12.82% | 12.82% | 13.76% | 9.78% | $699.0M |
| Q1 2024 | 13.17% | 13.17% | 14.07% | 10.02% | $698.8M |
| Q2 2024 | 13.15% | 13.15% | 14.07% | 10.05% | $695.3M |
| Q3 2024 | 13.05% | 13.05% | 13.94% | 9.86% | $699.1M |
| Q4 2024 | 13.12% | 13.12% | 14.00% | 9.76% | $693.6M |
| Q1 2025 | 12.94% | 12.94% | 13.82% | 9.61% | $699.3M |
| Q2 2025 | 12.84% | 12.84% | 13.72% | 9.50% | $700.3M |
| Q3 2025 | 13.23% | 13.23% | 14.11% | 9.31% | $664.2M |
| Q4 2025 | 12.99% | 12.99% | 13.81% | 9.42% | $659.6M |
| Q1 2026 | 13.26% | 13.26% | 14.07% | 9.96% | $646.6M |
| Q2 2026 | 13.47% | 13.47% | 14.28% | 10.13% | $637.7M |
Rollstone Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rollstone Bank & Trust, 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 Rollstone Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17797) · FFIEC NIC profile (RSSD 837608)