Webster Five Cents 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 7.0% in Q2 2026 to -$7.2M, the biggest move on this page.
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 | 12.52% |
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 | $163.8M |
| Tier 1 capital | $163.8M |
| Total risk-based capital | — |
| Total equity capital | $156.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.95% |
| Tangible equity to tangible assets | 11.95% |
| Equity capital to average assets | 11.97% |
| Internal capital growth rate | 8.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $0 |
| Retained earnings | $163.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.55% | 10.24% | 10.24% |
| Q4 2023 | 11.52% | 10.38% | 10.38% |
| Q1 2024 | 11.41% | 10.42% | 10.42% |
| Q2 2024 | 11.36% | 10.56% | 10.56% |
| Q3 2024 | 11.50% | 10.95% | 10.95% |
| Q4 2024 | 11.53% | 10.55% | 10.55% |
| Q1 2025 | 11.51% | 10.88% | 10.88% |
| Q2 2025 | 11.55% | 10.98% | 10.98% |
| Q3 2025 | 11.84% | 11.24% | 11.24% |
| Q4 2025 | 12.11% | 11.70% | 11.70% |
| Q1 2026 | 12.34% | 11.72% | 11.72% |
| Q2 2026 | 12.52% | 11.95% | 11.95% |
Webster Five Cents Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Webster Five Cents 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 Webster Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90297) · FFIEC NIC profile (RSSD 765505)