The Bank of Magnolia Company: 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%.
Equity capital to total assets climbed 0.75 percentage points in Q2 2026, from 12.03% to 12.78%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Bank of Magnolia Company is 11th of 84 on CET1 ratio, 23.18% as of Q2 2026, above the middle of the field. The Bank of Magnolia Company's CET1 ratio of 23.18% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 8.11 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.18% |
| Tier 1 risk-based capital ratio | 23.18% |
| Total risk-based capital ratio | 24.43% |
| Tier 1 leverage ratio | 12.96% |
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 | $14.2M |
| Tier 1 capital | $14.2M |
| Total risk-based capital | $15.0M |
| Total equity capital | $13.8M |
| Risk-weighted assets | $61.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.78% |
| Tangible equity to tangible assets | 12.78% |
| Equity capital to average assets | 12.59% |
| Internal capital growth rate | 16.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $250K |
| Retained earnings | $13.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$406K |
| 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 | 21.85% | 21.85% | 23.09% | 11.37% | $52.8M |
| Q4 2023 | 21.57% | 21.57% | 22.82% | 11.94% | $54.7M |
| Q1 2024 | 21.76% | 21.76% | 23.01% | 12.00% | $56.0M |
| Q2 2024 | 22.08% | 22.08% | 23.33% | 12.34% | $56.3M |
| Q3 2024 | 22.45% | 22.45% | 23.70% | 12.92% | $56.9M |
| Q4 2024 | 22.69% | 22.69% | 23.94% | 12.72% | $56.8M |
| Q1 2025 | 22.62% | 22.62% | 23.87% | 13.05% | $58.5M |
| Q2 2025 | 21.84% | 21.84% | 23.09% | 12.29% | $59.5M |
| Q3 2025 | 22.12% | 22.12% | 23.37% | 12.50% | $59.9M |
| Q4 2025 | 21.90% | 21.90% | 23.16% | 12.56% | $60.8M |
| Q1 2026 | 22.09% | 22.09% | 23.34% | 12.89% | $61.7M |
| Q2 2026 | 23.18% | 23.18% | 24.43% | 12.96% | $61.2M |
The Bank of Magnolia Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Magnolia Company, 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 The Bank of Magnolia Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2300) · FFIEC NIC profile (RSSD 940021)