Stafford 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%.
The standout move of Q2 2026 was in Equity capital to average assets: 3.97 percentage points higher than in Q1 2026, at 50.49%. On CET1 ratio, Stafford Savings Bank ranks 2nd highest among the 17 banks headquartered in Connecticut, at 32.01% (Q2 2026). Stafford Savings Bank's CET1 ratio of 32.01% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 16.93 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.01% |
| Tier 1 risk-based capital ratio | 32.01% |
| Total risk-based capital ratio | 32.18% |
| Tier 1 leverage ratio | 50.61% |
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 | $248.3M |
| Tier 1 capital | $248.3M |
| Total risk-based capital | $249.6M |
| Total equity capital | $248.1M |
| Risk-weighted assets | $775.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 48.93% |
| Tangible equity to tangible assets | 48.93% |
| Equity capital to average assets | 50.49% |
| Internal capital growth rate | 30.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $248.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$206K |
| 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 | 32.68% | 32.68% | 32.92% | 42.79% | $512.0M |
| Q4 2023 | 32.33% | 32.33% | 32.56% | 47.06% | $555.6M |
| Q1 2024 | 32.26% | 32.26% | 32.46% | 48.69% | $599.9M |
| Q2 2024 | 32.48% | 32.48% | 32.68% | 46.69% | $600.3M |
| Q3 2024 | 32.25% | 32.25% | 32.44% | 50.11% | $640.3M |
| Q4 2024 | 32.54% | 32.54% | 32.73% | 47.00% | $624.6M |
| Q1 2025 | 32.67% | 32.67% | 32.87% | 47.99% | $625.7M |
| Q2 2025 | 32.36% | 32.36% | 32.54% | 49.79% | $663.9M |
| Q3 2025 | 32.22% | 32.22% | 32.39% | 50.00% | $692.5M |
| Q4 2025 | 32.24% | 32.24% | 32.42% | 49.17% | $706.9M |
| Q1 2026 | 32.53% | 32.53% | 32.72% | 46.58% | $709.9M |
| Q2 2026 | 32.01% | 32.01% | 32.18% | 50.61% | $775.9M |
Stafford Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stafford 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 Stafford Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18227) · FFIEC NIC profile (RSSD 113003)