Sugar River 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%.
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.
In Q2 2026, Total equity capital edged up by 2.3%, from $47.9M to $49.0M, the largest move among the key lines here.
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 | 14.13% |
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 | $59.1M |
| Tier 1 capital | $59.1M |
| Total risk-based capital | — |
| Total equity capital | $49.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
| Equity capital to average assets | 11.72% |
| Internal capital growth rate | 5.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $6.0M |
| Retained earnings | $53.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.1M |
| 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 | 13.91% | 9.34% | 9.34% |
| Q4 2023 | 14.07% | 10.34% | 10.34% |
| Q1 2024 | 13.82% | 10.20% | 10.20% |
| Q2 2024 | 14.01% | 10.38% | 10.38% |
| Q3 2024 | 13.83% | 10.76% | 10.76% |
| Q4 2024 | 13.74% | 10.49% | 10.49% |
| Q1 2025 | 13.95% | 10.88% | 10.88% |
| Q2 2025 | 14.12% | 10.89% | 10.89% |
| Q3 2025 | 14.17% | 11.43% | 11.43% |
| Q4 2025 | 14.08% | 11.40% | 11.40% |
| Q1 2026 | 14.07% | 11.50% | 11.50% |
| Q2 2026 | 14.13% | 11.56% | 11.56% |
Sugar River Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sugar River 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 Sugar River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18028) · FFIEC NIC profile (RSSD 92706)