Unibank for Savings: 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%.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 3.7% to $236.2M. Within Massachusetts, Unibank for Savings is 30th of 59 on CET1 ratio, 14.02% as of Q2 2026, below the middle of the field. Unibank for Savings reported 14.02% on CET1 ratio for Q2 2026, 0.54 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 | 14.02% |
| Tier 1 risk-based capital ratio | 14.02% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 8.83% |
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 | $276.4M |
| Tier 1 capital | $276.4M |
| Total risk-based capital | $301.1M |
| Total equity capital | $236.2M |
| Risk-weighted assets | $1.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.60% |
| Tangible equity to tangible assets | 7.60% |
| Equity capital to average assets | 7.55% |
| Internal capital growth rate | 15.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $28.0M |
| Common stock surplus | $0 |
| Retained earnings | $248.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$40.2M |
| 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 | 12.03% | 12.03% | 13.28% | 8.41% | $1.88B |
| Q4 2023 | 12.48% | 12.48% | 13.74% | 8.57% | $1.85B |
| Q1 2024 | 12.82% | 12.82% | 14.08% | 8.79% | $1.84B |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 8.37% | $1.84B |
| Q3 2024 | 13.15% | 13.15% | 14.41% | 8.85% | $1.85B |
| Q4 2024 | 13.04% | 13.04% | 14.29% | 9.11% | $1.88B |
| Q1 2025 | 12.85% | 12.85% | 14.10% | 8.88% | $1.93B |
| Q2 2025 | 13.17% | 13.17% | 14.42% | 8.45% | $1.93B |
| Q3 2025 | 13.35% | 13.35% | 14.60% | 8.91% | $1.91B |
| Q4 2025 | 13.39% | 13.39% | 14.64% | 9.06% | $1.95B |
| Q1 2026 | 13.86% | 13.86% | 15.11% | 9.10% | $1.93B |
| Q2 2026 | 14.02% | 14.02% | 15.27% | 8.83% | $1.97B |
Unibank for Savings regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank for Savings, 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 Unibank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90290) · FFIEC NIC profile (RSSD 709602)