Wrentham 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%.
Risk-weighted assets rose 3.4% from Q1 2026 to Q2 2026, ending at $79.5M against $76.9M. It was the largest change among the key lines on this page. Wrentham Co-Operative Bank ranks 6th of 59 Massachusetts banks on CET1 ratio, in the upper half at 20.38% (Q2 2026). Wrentham Co-Operative Bank reported 20.38% on CET1 ratio for Q2 2026, 5.30 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.38% |
| Tier 1 risk-based capital ratio | 20.38% |
| Total risk-based capital ratio | 20.92% |
| Tier 1 leverage ratio | 8.34% |
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 | $16.2M |
| Tier 1 capital | $16.2M |
| Total risk-based capital | $16.6M |
| Total equity capital | $16.2M |
| Risk-weighted assets | $79.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.41% |
| Tangible equity to tangible assets | 8.41% |
| Equity capital to average assets | 8.34% |
| Internal capital growth rate | 1.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $16.2M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.11% | — |
| Q4 2023 | — | — | — | 11.15% | — |
| Q1 2024 | — | — | — | 10.57% | — |
| Q2 2024 | — | — | — | 9.61% | — |
| Q3 2024 | — | — | — | 9.33% | — |
| Q4 2024 | — | — | — | 9.23% | — |
| Q1 2025 | — | — | — | 9.12% | — |
| Q2 2025 | — | — | — | 8.89% | — |
| Q3 2025 | — | — | — | 8.81% | — |
| Q4 2025 | 21.40% | 21.40% | 21.97% | 8.65% | $75.5M |
| Q1 2026 | 21.02% | 21.02% | 21.58% | 8.47% | $76.9M |
| Q2 2026 | 20.38% | 20.38% | 20.92% | 8.34% | $79.5M |
Wrentham Co-Operative Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wrentham 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 Wrentham Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26576) · FFIEC NIC profile (RSSD 948278)