Salem Co-Operative 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 4.5% in Q2 2026 to -$4.5M, the biggest move on this page. Salem Co-Operative Bank has the highest CET1 ratio of the 8 banks headquartered in New Hampshire, 18.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Salem Co-Operative Bank sits 2.97 points higher, at 18.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.04% |
| Tier 1 risk-based capital ratio | 18.04% |
| Total risk-based capital ratio | 18.90% |
| Tier 1 leverage ratio | 11.89% |
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 | $68.4M |
| Tier 1 capital | $68.4M |
| Total risk-based capital | $71.7M |
| Total equity capital | $63.9M |
| Risk-weighted assets | $379.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 11.11% |
| Internal capital growth rate | 2.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $68.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 20.08% | 20.08% | 21.01% | 13.44% | $353.9M |
| Q4 2023 | 20.18% | 20.18% | 21.06% | 13.59% | $351.1M |
| Q1 2024 | 20.14% | 20.14% | 21.02% | 13.20% | $349.2M |
| Q2 2024 | 19.49% | 19.49% | 20.36% | 12.61% | $358.3M |
| Q3 2024 | 18.57% | 18.57% | 19.40% | 12.10% | $366.8M |
| Q4 2024 | 18.23% | 18.23% | 19.03% | 11.91% | $372.5M |
| Q1 2025 | 17.91% | 17.91% | 18.73% | 11.60% | $374.1M |
| Q2 2025 | 18.12% | 18.12% | 18.96% | 11.60% | $370.1M |
| Q3 2025 | 17.82% | 17.82% | 18.64% | 11.52% | $377.7M |
| Q4 2025 | 17.94% | 17.94% | 18.77% | 11.64% | $377.3M |
| Q1 2026 | 18.38% | 18.38% | 19.25% | 11.76% | $370.5M |
| Q2 2026 | 18.04% | 18.04% | 18.90% | 11.89% | $379.2M |
Salem Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Salem Co-Operative 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 Salem Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27824) · FFIEC NIC profile (RSSD 670878)