Washington 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 climbed 105.8% in Q2 2026, from -$1.0M to $58K. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Washington Savings Bank is 15th of 59 on CET1 ratio, 16.92% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Washington Savings Bank sits 1.85 points higher, at 16.92% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.92% |
| Tier 1 risk-based capital ratio | 16.92% |
| Total risk-based capital ratio | 17.87% |
| Tier 1 leverage ratio | 9.65% |
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 | $29.3M |
| Tier 1 capital | $29.3M |
| Total risk-based capital | $30.9M |
| Total equity capital | $29.3M |
| Risk-weighted assets | $173.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.70% |
| Tangible equity to tangible assets | 9.70% |
| Equity capital to average assets | 9.70% |
| Internal capital growth rate | 3.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $29.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $58K |
| 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 | 17.22% | 17.22% | 18.26% | 10.06% | $164.2M |
| Q4 2023 | 16.90% | 16.90% | 17.91% | 10.05% | $168.1M |
| Q1 2024 | 17.22% | 17.22% | 18.22% | 10.02% | $165.1M |
| Q2 2024 | 17.33% | 17.33% | 18.33% | 10.03% | $164.7M |
| Q3 2024 | 17.19% | 17.19% | 18.17% | 9.97% | $166.1M |
| Q4 2024 | 16.80% | 16.80% | 17.76% | 10.02% | $169.8M |
| Q1 2025 | 16.66% | 16.66% | 17.62% | 9.91% | $171.3M |
| Q2 2025 | 16.58% | 16.58% | 17.53% | 9.65% | $172.7M |
| Q3 2025 | 16.66% | 16.66% | 17.62% | 9.62% | $172.4M |
| Q4 2025 | 16.57% | 16.57% | 17.52% | 9.65% | $174.7M |
| Q1 2026 | 16.85% | 16.85% | 17.81% | 9.58% | $172.5M |
| Q2 2026 | 16.92% | 16.92% | 17.87% | 9.65% | $173.1M |
Washington Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington 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 Washington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90229) · FFIEC NIC profile (RSSD 654300)