Salem Five Cents 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 45.7% higher than in Q1 2026, at $12.9M. Within Massachusetts, Salem Five Cents Savings Bank is 40th of 59 on CET1 ratio, 13.21% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Salem Five Cents Savings Bank reported 13.21% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.21% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 14.47% |
| Tier 1 leverage ratio | 10.52% |
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 | $901.8M |
| Tier 1 capital | $901.8M |
| Total risk-based capital | $987.1M |
| Total equity capital | $1.01B |
| Risk-weighted assets | $6.82B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.47% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 11.66% |
| Internal capital growth rate | 8.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $58.3M |
| Retained earnings | $939.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $12.9M |
| 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 | 13.61% | 13.61% | 14.85% | 10.76% | $5.51B |
| Q4 2023 | 13.73% | 13.73% | 14.97% | 10.73% | $5.59B |
| Q1 2024 | 13.84% | 13.84% | 15.09% | 10.80% | $5.64B |
| Q2 2024 | 13.66% | 13.66% | 14.88% | 10.79% | $5.81B |
| Q3 2024 | 13.61% | 13.61% | 14.81% | 10.72% | $5.94B |
| Q4 2024 | 13.63% | 13.63% | 14.85% | 10.76% | $6.05B |
| Q1 2025 | 13.63% | 13.63% | 14.86% | 10.68% | $6.16B |
| Q2 2025 | 13.55% | 13.55% | 14.76% | 10.60% | $6.34B |
| Q3 2025 | 12.94% | 12.94% | 14.19% | 10.21% | $6.47B |
| Q4 2025 | 13.05% | 13.05% | 14.30% | 10.28% | $6.58B |
| Q1 2026 | 13.30% | 13.30% | 14.55% | 10.46% | $6.61B |
| Q2 2026 | 13.21% | 13.21% | 14.47% | 10.52% | $6.82B |
Salem Five Cents Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Salem Five Cents 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 Salem Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23296) · FFIEC NIC profile (RSSD 618807)