Spratt 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 fell 0.51 percentage points in Q2 2026 to 20.06%, the biggest move on this page.
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 | 20.38% |
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 | $31.2M |
| Tier 1 capital | $31.2M |
| Total risk-based capital | — |
| Total equity capital | $31.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.06% |
| Tangible equity to tangible assets | 20.06% |
| Equity capital to average assets | 20.24% |
| Internal capital growth rate | 0.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $31.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$223K |
| 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 | 20.82% | 20.64% | 20.64% |
| Q4 2023 | 20.88% | 20.66% | 20.66% |
| Q1 2024 | 20.98% | 20.73% | 20.73% |
| Q2 2024 | 21.01% | 20.82% | 20.82% |
| Q3 2024 | 21.06% | 21.09% | 21.09% |
| Q4 2024 | 21.23% | 21.32% | 21.32% |
| Q1 2025 | 21.31% | 21.12% | 21.12% |
| Q2 2025 | 20.92% | 20.72% | 20.72% |
| Q3 2025 | 20.77% | 20.54% | 20.54% |
| Q4 2025 | 20.60% | 20.57% | 20.57% |
| Q1 2026 | 20.29% | 20.57% | 20.57% |
| Q2 2026 | 20.38% | 20.06% | 20.06% |
Spratt Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spratt 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 Spratt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30987) · FFIEC NIC profile (RSSD 746979)