Shoreham 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.
Equity capital to average assets fell 0.51 percentage points from Q1 2026 to Q2 2026, ending at 10.63% against 11.14%. It was the largest change among the key lines on this page. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Shoreham Bank sits 2.35 points lower, at 12.73% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.99% |
| Tier 1 leverage ratio | 10.65% |
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 | $55.4M |
| Tier 1 capital | $55.4M |
| Total risk-based capital | $60.9M |
| Total equity capital | $55.3M |
| Risk-weighted assets | $435.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.34% |
| Tangible equity to tangible assets | 10.34% |
| Equity capital to average assets | 10.63% |
| Internal capital growth rate | 3.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $92K |
| Common stock surplus | $34.0M |
| Retained earnings | $21.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$114K |
| 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 | 15.46% | 15.46% | 16.72% | 13.18% | $332.5M |
| Q4 2023 | 14.91% | 14.91% | 16.17% | 12.61% | $343.1M |
| Q1 2024 | 14.48% | 14.48% | 15.74% | 12.10% | $359.2M |
| Q2 2024 | 13.83% | 13.83% | 15.09% | 11.67% | $382.7M |
| Q3 2024 | 12.97% | 12.97% | 14.23% | 11.09% | $413.0M |
| Q4 2024 | 13.05% | 13.05% | 14.31% | 11.00% | $412.7M |
| Q1 2025 | 12.99% | 12.99% | 14.26% | 11.14% | $418.6M |
| Q2 2025 | 12.95% | 12.95% | 14.21% | 10.98% | $424.8M |
| Q3 2025 | 12.83% | 12.83% | 14.10% | 10.78% | $425.5M |
| Q4 2025 | 13.14% | 13.14% | 14.41% | 11.20% | $418.3M |
| Q1 2026 | 12.86% | 12.86% | 14.13% | 11.17% | $427.0M |
| Q2 2026 | 12.73% | 12.73% | 13.99% | 10.65% | $435.3M |
Shoreham Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Shoreham 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 Shoreham Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27417) · FFIEC NIC profile (RSSD 724904)