Rondout 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%.
In Q2 2026, Total equity capital edged up by 1.3%, from $43.2M to $43.7M, the largest move among the key lines here. Rondout Savings Bank ranks 46th of 82 New York banks on CET1 ratio, in the lower half at 14.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Rondout Savings Bank reported 14.86% for Q2 2026, nearly level with it.
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 | 16.10% |
| Tier 1 leverage ratio | 9.79% |
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 | $50.6M |
| Tier 1 capital | $50.6M |
| Total risk-based capital | $54.8M |
| Total equity capital | $43.7M |
| Risk-weighted assets | $340.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
| Equity capital to average assets | 8.46% |
| Internal capital growth rate | 4.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $2.3M |
| Retained earnings | $48.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 12.94% | 12.94% | 14.19% | 8.60% | $377.2M |
| Q4 2023 | 12.94% | 12.94% | 14.19% | 8.61% | $377.6M |
| Q1 2024 | 12.86% | 12.86% | 14.11% | 8.70% | $383.7M |
| Q2 2024 | 13.31% | 13.31% | 14.56% | 8.81% | $370.8M |
| Q3 2024 | 13.52% | 13.52% | 14.77% | 8.95% | $365.2M |
| Q4 2024 | 14.08% | 14.08% | 15.33% | 9.06% | $349.4M |
| Q1 2025 | 14.30% | 14.30% | 15.55% | 9.19% | $343.3M |
| Q2 2025 | 14.67% | 14.67% | 15.92% | 9.29% | $334.5M |
| Q3 2025 | 14.63% | 14.63% | 15.88% | 9.38% | $337.1M |
| Q4 2025 | 14.68% | 14.68% | 15.91% | 9.58% | $339.6M |
| Q1 2026 | 14.71% | 14.71% | 15.96% | 9.71% | $340.2M |
| Q2 2026 | 14.86% | 14.86% | 16.10% | 9.79% | $340.3M |
Rondout Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rondout 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 Rondout Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15969) · FFIEC NIC profile (RSSD 425108)