Sewickley 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.53 percentage points in Q2 2026 to 22.94%, the biggest move on this page. Among 72 Pennsylvania banks, Sewickley Savings Bank sits 4th from the top on CET1 ratio, 45.40% as of Q2 2026. Sewickley Savings Bank's CET1 ratio of 45.40% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 30.33 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 45.40% |
| Tier 1 risk-based capital ratio | 45.40% |
| Total risk-based capital ratio | 45.40% |
| Tier 1 leverage ratio | 23.76% |
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 | $74.3M |
| Tier 1 capital | $74.3M |
| Total risk-based capital | $74.3M |
| Total equity capital | $72.6M |
| Risk-weighted assets | $163.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.94% |
| Tangible equity to tangible assets | 22.94% |
| Equity capital to average assets | 22.86% |
| Internal capital growth rate | 3.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $79.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.5M |
| 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 | 65.63% | 65.63% | 65.63% | 33.86% | $143.4M |
| Q4 2023 | 62.12% | 62.12% | 62.12% | 26.83% | $118.2M |
| Q1 2024 | 58.43% | 58.43% | 58.43% | 26.83% | $126.6M |
| Q2 2024 | 59.08% | 59.08% | 59.08% | 26.01% | $126.3M |
| Q3 2024 | 60.00% | 60.00% | 60.00% | 27.51% | $125.2M |
| Q4 2024 | 59.22% | 59.22% | 59.22% | 27.01% | $127.3M |
| Q1 2025 | 57.67% | 57.67% | 57.67% | 26.56% | $131.7M |
| Q2 2025 | 57.03% | 57.03% | 57.03% | 25.80% | $134.3M |
| Q3 2025 | 58.54% | 58.54% | 58.54% | 25.76% | $132.1M |
| Q4 2025 | 52.71% | 52.71% | 52.71% | 25.33% | $147.6M |
| Q1 2026 | 46.03% | 46.03% | 46.03% | 23.96% | $159.7M |
| Q2 2026 | 45.40% | 45.40% | 45.40% | 23.76% | $163.6M |
Sewickley Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sewickley 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 Sewickley Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30154) · FFIEC NIC profile (RSSD 678070)