Somerville 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.5% higher than in Q1 2026, at -$5.8M.
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 | 9.54% |
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 | $28.6M |
| Tier 1 capital | $28.6M |
| Total risk-based capital | — |
| Total equity capital | $23.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.91% |
| Tangible equity to tangible assets | 7.84% |
| Equity capital to average assets | 7.67% |
| Internal capital growth rate | 8.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $570K |
| Retained earnings | $27.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 9.52% | 5.35% | 5.27% |
| Q4 2023 | 9.61% | 7.28% | 7.19% |
| Q1 2024 | 9.71% | 7.19% | 7.10% |
| Q2 2024 | 9.70% | 7.23% | 7.14% |
| Q3 2024 | 9.85% | 7.70% | 7.61% |
| Q4 2024 | 9.72% | 7.36% | 7.28% |
| Q1 2025 | 9.77% | 6.96% | 6.87% |
| Q2 2025 | 9.64% | 6.81% | 6.72% |
| Q3 2025 | 9.63% | 7.38% | 7.30% |
| Q4 2025 | 9.57% | 7.56% | 7.49% |
| Q1 2026 | 9.46% | 7.32% | 7.25% |
| Q2 2026 | 9.54% | 7.91% | 7.84% |
Somerville Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerville 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 Somerville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6700) · FFIEC NIC profile (RSSD 411624)