Sturdy 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, Accumulated other comprehensive income rose 5.8% in Q2 2026 to -$19.5M, the biggest move on this page. Within New Jersey, Sturdy Savings Bank is 14th of 37 on CET1 ratio, 16.31% as of Q2 2026, above the middle of the field. Sturdy Savings Bank reported 16.31% on CET1 ratio for Q2 2026, 2.83 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.31% |
| Tier 1 risk-based capital ratio | 16.31% |
| Total risk-based capital ratio | 16.80% |
| Tier 1 leverage ratio | 9.68% |
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 | $111.4M |
| Tier 1 capital | $111.4M |
| Total risk-based capital | $114.7M |
| Total equity capital | $97.6M |
| Risk-weighted assets | $682.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.53% |
| Tangible equity to tangible assets | 8.07% |
| Equity capital to average assets | 8.44% |
| Internal capital growth rate | 9.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $117.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.5M |
| 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 | 14.67% | 14.67% | 15.19% | 7.52% | $662.6M |
| Q4 2023 | 14.74% | 14.74% | 15.26% | 7.66% | $663.4M |
| Q1 2024 | 15.03% | 15.03% | 15.55% | 8.07% | $661.1M |
| Q2 2024 | 14.80% | 14.80% | 15.33% | 8.48% | $672.6M |
| Q3 2024 | 15.06% | 15.06% | 15.59% | 8.39% | $668.5M |
| Q4 2024 | 15.10% | 15.10% | 15.66% | 8.59% | $672.5M |
| Q1 2025 | 15.07% | 15.07% | 15.63% | 8.91% | $680.9M |
| Q2 2025 | 15.22% | 15.22% | 15.79% | 8.98% | $681.9M |
| Q3 2025 | 16.06% | 16.06% | 16.55% | 8.95% | $659.9M |
| Q4 2025 | 16.14% | 16.14% | 16.63% | 9.04% | $663.8M |
| Q1 2026 | 16.11% | 16.11% | 16.61% | 9.55% | $676.8M |
| Q2 2026 | 16.31% | 16.31% | 16.80% | 9.68% | $682.9M |
Sturdy Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturdy 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 Sturdy Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28788) · FFIEC NIC profile (RSSD 391977)