The 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 2.6% to $334.1M. Within Ohio, The Savings Bank is 36th of 84 on CET1 ratio, 14.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Savings Bank reported 14.94% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.97% |
| Tier 1 leverage ratio | 9.42% |
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 | $49.9M |
| Tier 1 capital | $49.9M |
| Total risk-based capital | $53.4M |
| Total equity capital | $53.3M |
| Risk-weighted assets | $334.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.26% |
| Tangible equity to tangible assets | 8.87% |
| Equity capital to average assets | 9.91% |
| Internal capital growth rate | 4.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $19.9M |
| Retained earnings | $37.3M |
| 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 | 14.36% | 14.36% | 15.39% | 8.31% | $329.9M |
| Q4 2023 | 14.16% | 14.16% | 15.20% | 8.17% | $326.8M |
| Q1 2024 | 14.12% | 14.12% | 15.16% | 8.30% | $329.8M |
| Q2 2024 | 14.58% | 14.58% | 15.64% | 8.56% | $325.3M |
| Q3 2024 | 15.27% | 15.27% | 16.36% | 8.45% | $315.5M |
| Q4 2024 | 15.61% | 15.61% | 16.71% | 9.08% | $308.8M |
| Q1 2025 | 15.43% | 15.43% | 16.50% | 9.28% | $313.6M |
| Q2 2025 | 15.14% | 15.14% | 16.17% | 9.33% | $321.3M |
| Q3 2025 | 15.33% | 15.33% | 16.38% | 9.36% | $320.1M |
| Q4 2025 | 15.16% | 15.16% | 16.19% | 9.37% | $324.0M |
| Q1 2026 | 15.13% | 15.13% | 16.17% | 9.35% | $325.7M |
| Q2 2026 | 14.94% | 14.94% | 15.97% | 9.42% | $334.1M |
The Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13216) · FFIEC NIC profile (RSSD 578116)