The Pittsfield Co-operative Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
The Pittsfield Co-operative Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 18.30% in Q3 2026, down 2.15 percentage points from 20.45% in Q3 2025. Across the 12 quarters shown it ranged from 18.30% (Q3 2026) to 22.96% (Q2 2024).
The standout move of Q3 2026 was in Equity capital to average assets: 0.84 percentage points lower than in Q2 2026, at 11.44%. Within Massachusetts, The Pittsfield Co-operative Bank is 8th of 55 on CET1 ratio, 18.30% as of Q3 2026. The median for banks in the $100M-1B asset tier is 15.24% on CET1 ratio. The Pittsfield Co-operative Bank sits 3.06 points higher, at 18.30% (Q3 2026).
Risk-based capital ratios
Largest change in this table: tier 1 leverage ratio, down 0.33 points to 13.08% in Q3 2026 after 13.41% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.30% |
| Tier 1 risk-based capital ratio | 18.30% |
| Total risk-based capital ratio | 19.04% |
| Tier 1 leverage ratio | 13.08% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Total equity capital moved most in this table, down 4.9%: $55.6M in Q2 2026, $52.9M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $60.5M |
| Tier 1 capital | $60.5M |
| Total risk-based capital | $63.0M |
| Total equity capital | $52.9M |
| Risk-weighted assets | $330.7M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
| Equity capital to average assets | 11.44% |
| Internal capital growth rate | -1.57% |
Capital structure
Retained earnings changed the most here, down 0.4% to $56.6M in Q3 2026 from $56.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $3.9M |
| Retained earnings | $56.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.6M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 21.84% | 21.84% | 22.68% | 15.39% | $281.9M |
| Q1 2024 | 21.79% | 21.79% | 22.64% | 15.54% | $283.8M |
| Q2 2024 | 22.96% | 22.96% | 23.85% | 15.91% | $268.3M |
| Q3 2024 | 21.32% | 21.32% | 22.15% | 15.45% | $289.1M |
| Q4 2024 | 21.77% | 21.77% | 22.63% | 15.06% | $283.4M |
| Q1 2025 | 20.75% | 20.75% | 21.59% | 14.90% | $297.2M |
| Q2 2025 | 21.69% | 21.69% | 22.47% | 14.85% | $285.0M |
| Q3 2025 | 20.45% | 20.45% | 21.19% | 14.58% | $301.3M |
| Q4 2025 | 19.35% | 19.35% | 20.09% | 14.11% | $312.0M |
| Q1 2026 | 19.09% | 19.09% | 19.85% | 13.71% | $316.5M |
| Q2 2026 | 18.63% | 18.63% | 19.36% | 13.41% | $326.0M |
| Q3 2026 | 18.30% | 18.30% | 19.04% | 13.08% | $330.7M |
The Pittsfield Co-operative Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Pittsfield Co-operative Bank profile or its peer group comparison.
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