Ulster 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%.
Risk-weighted assets rose 3.3% from Q1 2026 to Q2 2026, ending at $984.1M against $952.5M. It was the largest change among the key lines on this page. Ulster Savings Bank ranks 57th of 82 New York banks on CET1 ratio, in the lower half at 13.97% (Q2 2026). Ulster Savings Bank reported 13.97% on CET1 ratio for Q2 2026, 0.49 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 | 13.97% |
| Tier 1 risk-based capital ratio | 13.97% |
| Total risk-based capital ratio | 15.18% |
| Tier 1 leverage ratio | 9.79% |
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 | $137.5M |
| Tier 1 capital | $137.5M |
| Total risk-based capital | $149.4M |
| Total equity capital | $124.6M |
| Risk-weighted assets | $984.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.95% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 8.84% |
| Internal capital growth rate | 5.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $8.3M |
| Retained earnings | $133.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.5M |
| 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 | 12.96% | 12.96% | 14.21% | 9.31% | $955.1M |
| Q4 2023 | 12.97% | 12.97% | 14.22% | 9.28% | $960.5M |
| Q1 2024 | 13.02% | 13.02% | 14.27% | 9.31% | $961.3M |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 9.26% | $959.4M |
| Q3 2024 | 13.45% | 13.45% | 14.70% | 9.21% | $941.5M |
| Q4 2024 | 13.54% | 13.54% | 14.80% | 9.34% | $942.6M |
| Q1 2025 | 13.58% | 13.58% | 14.83% | 9.44% | $947.2M |
| Q2 2025 | 13.68% | 13.68% | 14.93% | 9.40% | $950.2M |
| Q3 2025 | 13.92% | 13.92% | 15.17% | 9.30% | $946.1M |
| Q4 2025 | 13.84% | 13.84% | 15.07% | 9.53% | $965.3M |
| Q1 2026 | 14.24% | 14.24% | 15.49% | 9.78% | $952.5M |
| Q2 2026 | 13.97% | 13.97% | 15.18% | 9.79% | $984.1M |
Ulster Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ulster 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 Ulster Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15970) · FFIEC NIC profile (RSSD 301800)