What is Randolph Bancorp Capital Adequacy Tier - Tier 1 Ratio %?
Capital Adequacy Tier - Tier 1 Ratio % is the ratio of a bank’s core tier 1 capital, which includes its equity capital and disclosed reserves, to its total risk-weighted assets. It is a key measure of a bank's financial strength and should not fall lower than 6% as per Basel III rules.
Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio % for the quarter that ended in Jun. 2022 was 14.10%
, which is lower than
14.20% for the pervious quarter ended in Mar. 2022.
Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio % for the annual that ended in Dec. 2021 was 16.20%
, which is higher than
14.50% for the pervious year ended in Dec. 2020.
The historical rank and industry rank for Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio % or its related term are showing as below:
RNDB's Capital Adequacy Tier - Tier 1 Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Capital Adequacy Tier - Tier 1 Ratio % only.
Randolph Bancorp Capital Adequacy Tier - Tier 1 Ratio % Historical Data
The historical data trend for Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Premium members only.
Randolph Bancorp Capital Adequacy Tier - Tier 1 Ratio % Chart
Competitive Comparison of Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio %
For the Banks - Regional subindustry, Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Tier 1 Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Randolph Bancorp (NAS:RNDB) Capital Adequacy Tier - Tier 1 Ratio % Calculation
Capital Adequacy Tier - Tier 1 Ratio % is calculated as
Capital Adequacy Tier - Tier 1 Ratio %
=
Tier 1 Capital
/
Total Risk Weighted Assets
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Randolph Bancorp (NAS:RNDB) Capital Adequacy Tier - Tier 1 Ratio % Explanation
Tier 1 capital, or core capital, consists of a bank's common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. The tier 1 capital ratio is the ratio of a bank’s core capital vs. its total risk-weighted assets (RWAs). The risk-weighted assets are calculated by multiplying the assets that the company holds by their corresponding weights for credit risk (the weight is usually developed by the central bank).
The tier 1 capital ratio is the basis for the Basel III international capital and liquidity standards. The standard is used to force banks to increase capital buffers and ensure they can withstand financial distress before they become insolvent. Basel III rules stipulate that the Tier 1 capital ratio has to be at least 6% and the equity component of Tier 1 capital has to have at least 4.5% of RWAs. A higher Tier 1 ratio suggests that the company has more capital to pay down deposits and is less likely to become insolvent.
Randolph Bancorp Capital Adequacy Tier - Tier 1 Ratio % Related Terms
Thank you for viewing the detailed overview of Randolph Bancorp's Capital Adequacy Tier - Tier 1 Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.
Randolph Bancorp (Randolph Bancorp) Business Description
Randolph Bancorp Inc is a bank holding company of Envision Bank. The company is engaged in providing financial services to individuals, families, and small to mid-size businesses. The business of the company includes accepting deposits from the public and investing those deposits, commercial real estate loans, construction loans, investment securities, and consumer loans. The firm also offers deposit accounts, certificates of deposit, and money market accounts. The company has two reporting segments; Envision Bank, which is the key revenue generating segment; and Envision Mortgage. Envision Mortgage consists primarily of gains on loan origination and sales activities, loan servicing income and interest income on loans held for sale and residential construction loans.
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