Regulatory Matters (Tables)

9 Months Ended

Mar. 31, 2020

Summary of Bank's Actual Capital Amounts and Ratios Compared to Required Ratios for Minimum Capital Adequacy and for Classification as Well Capitalized

The following is a summary of the Bank’s actual capital amounts and ratios as of March 31, 2020 and June 30, 2019, compared to the required ratios for minimum capital adequacy and for classification as well capitalized (dollars in thousands). As a result of the Economic Growth, Regulatory Relief, and Consumer Protection Act passed by Congress in 2018, the Company is no longer subject to consolidated capital requirements, as the Company’s total consolidated assets do not exceed $3 billion.

											To Be Well Capitalized
						For Capital					Under Prompt
						Adequacy					Corrective Action
	Bank Actual					Purposes					Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
March 31, 2020
PCSB Bank
Leverage (Tier 1)	$	217,068		13.2	%	$	65,825		4.0	%	$	82,282		5.0	%
Risk-based:
Common Tier 1		217,068		16.8			58,154		4.5			84,001		6.5
Tier 1		217,068		16.8			77,539		6.0			103,386		8.0
Total		225,414		17.4			103,386		8.0			129,232		10.0

June 30, 2019
PCSB Bank
Leverage (Tier 1)	$	209,885		13.8	%	$	60,774		4.0	%	$	75,968		5.0	%
Risk-based:
Common Tier 1		209,885		18.0			52,579		4.5			75,948		6.5
Tier 1		209,885		18.0			70,105		6.0			93,474		8.0
Total		215,549		18.4			93,474		8.0			116,842		10.0