Stonehambank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 2.3% between Q1 2026 and Q2 2026, to $71.0M. Stonehambank ranks 44th of 59 Massachusetts banks on CET1 ratio, in the lower half at 12.51% (Q2 2026). Stonehambank reported 12.51% on CET1 ratio for Q2 2026, 2.57 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.51% |
| Tier 1 risk-based capital ratio | 12.51% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 8.94% |
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 | $82.7M |
| Tier 1 capital | $82.7M |
| Total risk-based capital | $90.6M |
| Total equity capital | $71.0M |
| Risk-weighted assets | $660.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
| Equity capital to average assets | 7.68% |
| Internal capital growth rate | 6.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $82.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.7M |
| 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 | 13.48% | 13.48% | 14.70% | 9.46% | $560.9M |
| Q4 2023 | 13.48% | 13.48% | 14.71% | 9.61% | $562.1M |
| Q1 2024 | 13.54% | 13.54% | 14.77% | 9.59% | $566.4M |
| Q2 2024 | 13.18% | 13.18% | 14.39% | 9.31% | $581.5M |
| Q3 2024 | 13.06% | 13.06% | 14.26% | 9.16% | $588.8M |
| Q4 2024 | 13.21% | 13.21% | 14.41% | 9.17% | $584.9M |
| Q1 2025 | 13.06% | 13.06% | 14.26% | 9.05% | $587.3M |
| Q2 2025 | 12.88% | 12.88% | 14.05% | 9.10% | $603.2M |
| Q3 2025 | 12.40% | 12.40% | 13.51% | 9.22% | $637.9M |
| Q4 2025 | 12.43% | 12.43% | 13.55% | 9.03% | $646.5M |
| Q1 2026 | 12.47% | 12.47% | 13.59% | 8.99% | $653.9M |
| Q2 2026 | 12.51% | 12.51% | 13.71% | 8.94% | $660.7M |
Stonehambank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stonehambank, 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 Stonehambank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26559) · FFIEC NIC profile (RSSD 954279)