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%.
Accumulated other comprehensive income rose 5.0% from Q1 2026 to Q2 2026, ending at -$2.3M against -$2.5M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.60% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $40.8M |
| Tier 1 capital | $40.8M |
| Total risk-based capital | — |
| Total equity capital | $38.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.63% |
| Tangible equity to tangible assets | 12.63% |
| Equity capital to average assets | 12.82% |
| Internal capital growth rate | 7.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $94K |
| Common stock surplus | $2.0M |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 14.65% | 14.65% | 15.91% | 13.07% | $241.5M |
| Q4 2023 | 14.26% | 14.26% | 15.49% | 13.10% | $250.9M |
| Q1 2024 | 14.39% | 14.39% | 15.63% | 13.13% | $252.5M |
| Q2 2024 | 14.78% | 14.78% | 16.03% | 13.20% | $249.0M |
| Q3 2024 | 14.95% | 14.95% | 15.83% | 12.87% | $242.9M |
| Q4 2024 | 14.25% | 14.25% | 15.50% | 12.81% | $253.9M |
| Q1 2025 | 13.93% | 13.93% | 15.19% | 13.21% | $265.8M |
| Q2 2025 | 14.26% | 14.26% | 15.51% | 12.95% | $262.9M |
| Q3 2025 | 15.15% | 15.15% | 16.40% | 13.27% | $253.5M |
| Q4 2025 | 15.85% | 15.85% | 17.11% | 13.29% | $248.4M |
| Q1 2026 | — | — | — | 13.57% | — |
| Q2 2026 | — | — | — | 13.60% | — |
Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13735) · FFIEC NIC profile (RSSD 588348)