Wrentham Co-Operative Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.92% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 12.92% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 20.38% +13.88 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $16.2M | 16,201 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $79.5M | 79,513 | RCOAA223 |
| Recomputed ratio | 20.38% | numerator / denominator | |
| Filed ratio | 20.38% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.88 pp | $11.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.38% +12.38 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $16.2M | 16,201 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $79.5M | 79,513 | RCOAA223 |
| Recomputed ratio | 20.38% | numerator / denominator | |
| Filed ratio | 20.38% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.38 pp | $9.8M | capital that could be lost first |
Total risk-based capital ratio 20.92% +10.92 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $16.6M | 16,634 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $79.5M | 79,513 | RCOAA223 |
| Recomputed ratio | 20.92% | numerator / denominator | |
| Filed ratio | 20.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.92 pp | $8.7M | capital that could be lost first |
Tier 1 leverage ratio 8.34% +3.34 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $16.2M | 16,201 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $194.3M | 194,277 | RCOAA224 |
| Recomputed ratio | 8.34% | numerator / denominator | |
| Filed ratio | 8.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.34 pp | $6.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 16,201 | 16,158 | 16,158 | 16,241 | 16,305 | 16,407 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 1 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,201 | 16,158 | 16,158 | 16,241 | 16,306 | 16,407 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 16,201 | 16,158 | 16,158 | 16,241 | 16,306 | 16,407 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,201 | 16,158 | 16,158 | 16,241 | 16,306 | 16,407 | RCOA8274 |
| Tier 2 capital | 433 | 433 | 433 | NA | NA | NA | RCOA5311 |
| Allowance includable in Tier 2 capital | 433 | 433 | 433 | NA | NA | NA | RCOA5310 |
| Total capital | 16,634 | 16,591 | 16,591 | NA | NA | NA | RCOA3792 |
| Total risk-weighted assets | 79,513 | 76,866 | 75,502 | NA | NA | NA | RCOAA223 |
| Average total assets for the leverage ratio | 194,277 | 190,857 | 186,740 | 184,279 | 183,351 | 179,957 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $39.6M | $420K | 1.06% | 0.53% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $24.6M | $4.9M | 20.00% | 6.19% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $116.5M | $60.5M | 51.95% | 76.13% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $1.9M | $1.8M | 92.46% | 2.25% | RC-R Part II, item 4.d, 5.d |
| All other assets | $10.4M | $10.2M | 98.79% | 12.88% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.6M | $1.6M | 100.00% | 2.03% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $79.5M | ties to item 31 ($79.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $79.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $79.5M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 20.38% | 20.38% | 20.92% | 8.34% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 21.02% | 21.02% | 21.58% | 8.47% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.40% | 21.40% | 21.97% | 8.65% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 8.81% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 8.89% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.12% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.33% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.61% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.57% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.15% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.11% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Wrentham Co-Operative Bank (this bank) | Risk-based | 20.38% | 20.38% | 20.92% | 8.34% | |
| Walden Mutual Bank | $192.6M | CBLR | NA | NA | NA | 9.33% |
| First Federal Savings Bank of Champaign-Urbana | $192.5M | CBLR | NA | NA | NA | 12.71% |
| Peoples Bank | $192.4M | Risk-based | 22.12% | 22.12% | 23.38% | 11.18% |
| The Bank of the West | $192.4M | Risk-based | 12.72% | 12.72% | 13.97% | 10.49% |
| Bank of Sunset & Trust Company | $192.3M | CBLR | NA | NA | NA | 11.37% |
| Bank of Anguilla | $192.2M | CBLR | NA | NA | NA | 14.67% |
| South Central State Bank | $192.1M | Risk-based | 15.11% | 15.11% | 15.78% | 15.15% |
| The Cincinnatus Savings and Loan Company | $193.1M | CBLR | NA | NA | NA | 15.26% |
| Texas Advantage Community Bank, N.A. | $192.1M | Risk-based | 24.87% | 24.87% | 25.94% | 11.33% |
| Peer 25th percentile | 14.51% | 14.51% | 15.33% | 11.18% | ||
| Peer median | 18.61% | 18.61% | 19.58% | 11.37% | ||
| Peer 75th percentile | 22.81% | 22.81% | 24.02% | 14.67% | ||
| This bank's percentile | 50 | 50 | 50 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/948278/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.