Winchester Co-Operative 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 Retained earnings: 95.4% higher than in Q1 2026, at $2.8M.
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 | 11.80% |
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 | $110.0M |
| Tier 1 capital | $110.0M |
| Total risk-based capital | — |
| Total equity capital | $110.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.61% |
| Tangible equity to tangible assets | 11.61% |
| Equity capital to average assets | 11.80% |
| Internal capital growth rate | 5.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $107.1M |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.32% | 13.19% | 13.19% |
| Q4 2023 | 13.25% | 13.11% | 13.11% |
| Q1 2024 | 13.14% | 12.82% | 12.82% |
| Q2 2024 | 12.84% | 12.27% | 12.27% |
| Q3 2024 | 12.32% | 12.18% | 12.18% |
| Q4 2024 | 12.25% | 12.09% | 12.09% |
| Q1 2025 | 12.07% | 11.88% | 11.88% |
| Q2 2025 | 12.00% | 11.90% | 11.90% |
| Q3 2025 | 11.93% | 11.89% | 11.89% |
| Q4 2025 | 11.92% | 11.81% | 11.81% |
| Q1 2026 | 11.82% | 11.65% | 11.65% |
| Q2 2026 | 11.80% | 11.61% | 11.61% |
Winchester Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Winchester Co-Operative 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 Winchester Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27238) · FFIEC NIC profile (RSSD 268976)