Skowhegan 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 average assets rose 0.40 percentage points in Q2 2026 to 14.18%, the biggest move on this page. On CET1 ratio, Skowhegan Savings Bank ranks 2nd highest among the 16 banks headquartered in Maine, at 22.46% (Q2 2026). Skowhegan Savings Bank reported 22.46% on CET1 ratio for Q2 2026, 7.39 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.46% |
| Tier 1 risk-based capital ratio | 22.46% |
| Total risk-based capital ratio | 23.56% |
| Tier 1 leverage ratio | 15.81% |
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 | $137.9M |
| Tier 1 capital | $137.9M |
| Total risk-based capital | $144.6M |
| Total equity capital | $124.0M |
| Risk-weighted assets | $613.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.50% |
| Tangible equity to tangible assets | 14.27% |
| Equity capital to average assets | 14.18% |
| Internal capital growth rate | 15.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $15.0M |
| Retained earnings | $125.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.2M |
| 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 | 20.26% | 20.26% | 21.37% | 13.60% | $555.3M |
| Q4 2023 | 19.77% | 19.77% | 20.84% | 13.29% | $580.0M |
| Q1 2024 | 19.88% | 19.88% | 20.96% | 12.93% | $587.1M |
| Q2 2024 | 20.20% | 20.20% | 21.26% | 13.09% | $586.4M |
| Q3 2024 | 20.27% | 20.27% | 21.31% | 13.37% | $594.8M |
| Q4 2024 | 20.36% | 20.36% | 21.44% | 13.78% | $600.0M |
| Q1 2025 | 20.36% | 20.36% | 21.45% | 14.20% | $607.9M |
| Q2 2025 | 20.82% | 20.82% | 21.87% | 14.47% | $606.7M |
| Q3 2025 | 21.58% | 21.58% | 22.65% | 14.83% | $598.7M |
| Q4 2025 | 21.91% | 21.91% | 22.97% | 15.08% | $598.6M |
| Q1 2026 | 22.08% | 22.08% | 23.17% | 15.38% | $603.0M |
| Q2 2026 | 22.46% | 22.46% | 23.56% | 15.81% | $613.8M |
Skowhegan Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Skowhegan 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 Skowhegan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19532) · FFIEC NIC profile (RSSD 401906)