Seneca Savings Bank, N.A.: 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, Tangible equity to tangible assets edged up by 0.20 percentage points, from 8.50% to 8.70%, 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 | 9.84% |
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 | $30.9M |
| Tier 1 capital | $30.9M |
| Total risk-based capital | — |
| Total equity capital | $27.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.92% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 8.86% |
| Internal capital growth rate | 3.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.5M |
| Common stock surplus | $491K |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 10.76% | 8.10% | 8.10% |
| Q4 2023 | 10.19% | 8.44% | 8.03% |
| Q1 2024 | 10.00% | 8.21% | 7.82% |
| Q2 2024 | 9.84% | 8.21% | 7.84% |
| Q3 2024 | 9.87% | 8.57% | 8.22% |
| Q4 2024 | 9.73% | 8.21% | 7.88% |
| Q1 2025 | 9.63% | 8.28% | 7.97% |
| Q2 2025 | 9.41% | 7.71% | 7.43% |
| Q3 2025 | 8.77% | 7.51% | 7.25% |
| Q4 2025 | 9.68% | 8.77% | 8.53% |
| Q1 2026 | 9.78% | 8.73% | 8.50% |
| Q2 2026 | 9.84% | 8.92% | 8.70% |
Seneca Savings Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Seneca Savings Bank, N.A., 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 Seneca Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29496) · FFIEC NIC profile (RSSD 276074)