Spencer Savings Bank, Savings and Loan Association: Tier 1 Risk-Based Capital Ratio
Data as of · sourced from FFIEC call reports. How we update
Spencer Savings Bank, Savings and Loan Association reported a tier 1 risk-based capital ratio of 16.80% as of Q2 2026, ranking #614 of 2,134 U.S. banks (71st percentile). That is up 0.28 percentage points from 16.52% a year earlier, and above the 13.47% median of the 652 Large Community Banks ($1B–$10B in assets). Tier 1 Risk-Based Capital combines Common Equity Tier 1 plus Additional Tier 1 instruments, the broader capital measure after CET1.
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What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
Read Tier 1 RBC alongside CET1: a large gap between them means the bank relies meaningfully on preferred stock for its capital base, which is more expensive and less flexible than common equity. Most community banks show Tier 1 RBC within a few basis points of CET1. The bands below are BankRegReports analyst bands, not prompt corrective action categories; PCA treats a Tier 1 ratio of 8% or more as well capitalized.
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What is Spencer Savings Bank, Savings and Loan Association's Tier 1 Risk-Based Capital Ratio?
Spencer Savings Bank, Savings and Loan Association's Tier 1 Risk-Based Capital Ratio was 16.80% as of Q2 2026, ranking #614 of 2,134 U.S. banks.
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
More Spencer Savings Bank, Savings and Loan Association metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Spencer Savings Bank, Savings and Loan Association profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 30076) · FFIEC NIC profile (RSSD 845573)