Seamens 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Equity capital to total assets edged down by 0.16 percentage points, from 12.40% to 12.24%, 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 | 12.57% |
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 | $59.0M |
| Tier 1 capital | $59.0M |
| Total risk-based capital | — |
| Total equity capital | $58.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.24% |
| Tangible equity to tangible assets | 12.24% |
| Equity capital to average assets | 12.47% |
| Internal capital growth rate | 3.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $59.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$483K |
| 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 | 10.79% | 10.09% | 10.09% |
| Q4 2023 | 11.03% | 11.23% | 11.23% |
| Q1 2024 | 11.98% | 11.72% | 11.72% |
| Q2 2024 | 12.29% | 11.84% | 11.84% |
| Q3 2024 | 11.69% | 11.24% | 11.24% |
| Q4 2024 | 11.54% | 11.59% | 11.59% |
| Q1 2025 | 11.85% | 11.69% | 11.69% |
| Q2 2025 | 12.11% | 11.96% | 11.96% |
| Q3 2025 | 11.64% | 11.57% | 11.57% |
| Q4 2025 | 11.89% | 12.36% | 12.36% |
| Q1 2026 | 12.42% | 12.40% | 12.40% |
| Q2 2026 | 12.57% | 12.24% | 12.24% |
Seamens Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Seamens 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 Seamens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90268) · FFIEC NIC profile (RSSD 418100)