Watertown 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 56.9% lower than in Q1 2026, at -$1.6M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.60% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $166.8M |
| Tier 1 capital | $166.8M |
| Total risk-based capital | — |
| Total equity capital | $177.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.30% |
| Tangible equity to tangible assets | 17.23% |
| Equity capital to average assets | 18.51% |
| Internal capital growth rate | 10.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $8.5M |
| Retained earnings | $170.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.56% | 14.10% | 12.91% |
| Q4 2023 | 15.04% | 15.16% | 13.95% |
| Q1 2024 | 15.11% | 15.19% | 14.01% |
| Q2 2024 | 15.77% | 15.89% | 14.72% |
| Q3 2024 | 15.88% | 16.29% | 15.15% |
| Q4 2024 | 16.22% | 16.95% | 15.78% |
| Q1 2025 | 16.48% | 17.13% | 15.99% |
| Q2 2025 | 16.84% | 17.56% | 16.43% |
| Q3 2025 | 16.88% | 17.75% | 16.64% |
| Q4 2025 | 16.98% | 18.01% | 16.90% |
| Q1 2026 | 16.93% | 17.90% | 16.82% |
| Q2 2026 | 17.60% | 18.30% | 17.23% |
Watertown Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Watertown 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 Watertown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15990) · FFIEC NIC profile (RSSD 298218)