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: 29.6% lower than in Q1 2026, at -$6.5M. Among 59 Massachusetts banks, Watertown Savings Bank sits 2nd from the top on CET1 ratio, 28.39% as of Q2 2026. Against a median of 13.49% for banks in the $1B-10B asset tier, Watertown Savings Bank reported 28.39% on CET1 ratio in Q2 2026, 14.91 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.39% |
| Tier 1 risk-based capital ratio | 28.39% |
| Total risk-based capital ratio | 28.71% |
| Tier 1 leverage ratio | 12.03% |
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 | $174.1M |
| Tier 1 capital | $174.1M |
| Total risk-based capital | $176.0M |
| Total equity capital | $167.6M |
| Risk-weighted assets | $613.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.65% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 11.58% |
| Internal capital growth rate | 7.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $174.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.5M |
| 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 | 26.01% | 26.01% | 26.72% | 10.62% | $583.8M |
| Q4 2023 | 26.91% | 26.91% | 27.25% | 10.81% | $576.6M |
| Q1 2024 | 27.13% | 27.13% | 27.47% | 10.88% | $573.4M |
| Q2 2024 | 27.24% | 27.24% | 27.58% | 10.57% | $574.5M |
| Q3 2024 | 27.63% | 27.63% | 27.97% | 10.72% | $571.6M |
| Q4 2024 | 27.33% | 27.33% | 27.67% | 11.16% | $583.2M |
| Q1 2025 | 27.54% | 27.54% | 27.87% | 10.81% | $586.1M |
| Q2 2025 | 27.88% | 27.88% | 28.20% | 11.02% | $587.9M |
| Q3 2025 | 28.30% | 28.30% | 28.63% | 11.24% | $587.5M |
| Q4 2025 | 28.74% | 28.74% | 29.07% | 11.59% | $586.2M |
| Q1 2026 | 28.92% | 28.92% | 29.24% | 11.88% | $591.3M |
| Q2 2026 | 28.39% | 28.39% | 28.71% | 12.03% | $613.2M |
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 23298) · FFIEC NIC profile (RSSD 886204)