Schuyler 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, Equity capital to average assets edged up by 0.11 percentage points, from 14.03% to 14.14%, the largest move among the key lines here.
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 | 14.07% |
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 | $21.0M |
| Tier 1 capital | $21.0M |
| Total risk-based capital | — |
| Total equity capital | $21.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.96% |
| Tangible equity to tangible assets | 13.96% |
| Equity capital to average assets | 14.14% |
| Internal capital growth rate | 1.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $21.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $83K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.35% | 15.35% | 15.35% |
| Q4 2023 | 15.27% | 15.44% | 15.44% |
| Q1 2024 | 15.29% | 15.60% | 15.60% |
| Q2 2024 | 15.33% | 15.42% | 15.42% |
| Q3 2024 | 15.10% | 15.27% | 15.27% |
| Q4 2024 | 14.88% | 15.11% | 15.11% |
| Q1 2025 | 14.85% | 15.00% | 15.00% |
| Q2 2025 | 14.91% | 15.13% | 15.13% |
| Q3 2025 | 15.07% | 15.17% | 15.17% |
| Q4 2025 | 14.43% | 14.34% | 14.34% |
| Q1 2026 | 13.95% | 14.05% | 14.05% |
| Q2 2026 | 14.07% | 13.96% | 13.96% |
Schuyler Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Schuyler 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 Schuyler Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30072) · FFIEC NIC profile (RSSD 657178)