Walden 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%.
Accumulated other comprehensive income rose 5.3% from Q1 2026 to Q2 2026, ending at -$8.9M against -$9.4M. It was the largest change among the key lines on this page. Within New York, Walden Savings Bank is 51st of 82 on CET1 ratio, 14.49% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Walden Savings Bank sits 1.01 points higher, at 14.49% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.49% |
| Tier 1 risk-based capital ratio | 14.49% |
| Total risk-based capital ratio | 15.74% |
| Tier 1 leverage ratio | 10.19% |
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 | $102.6M |
| Tier 1 capital | $102.6M |
| Total risk-based capital | $111.5M |
| Total equity capital | $93.7M |
| Risk-weighted assets | $708.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.18% |
| Tangible equity to tangible assets | 9.18% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 10.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $6.0M |
| Retained earnings | $96.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.9M |
| 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 | 14.84% | 14.84% | 16.09% | 9.14% | $544.7M |
| Q4 2023 | 14.61% | 14.61% | 15.86% | 9.22% | $564.7M |
| Q1 2024 | 14.72% | 14.72% | 15.97% | 9.32% | $569.6M |
| Q2 2024 | 14.82% | 14.82% | 16.07% | 9.42% | $577.7M |
| Q3 2024 | 14.73% | 14.73% | 15.98% | 9.46% | $593.4M |
| Q4 2024 | 14.62% | 14.62% | 15.88% | 9.29% | $602.2M |
| Q1 2025 | 14.76% | 14.76% | 16.01% | 9.61% | $612.0M |
| Q2 2025 | 14.76% | 14.76% | 16.01% | 9.83% | $629.4M |
| Q3 2025 | 14.92% | 14.92% | 16.18% | 9.97% | $639.5M |
| Q4 2025 | 14.82% | 14.82% | 16.07% | 10.16% | $658.5M |
| Q1 2026 | 14.89% | 14.89% | 16.14% | 10.23% | $673.6M |
| Q2 2026 | 14.49% | 14.49% | 15.74% | 10.19% | $708.2M |
Walden Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Walden 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 Walden Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15987) · FFIEC NIC profile (RSSD 341310)