The Bank of Monroe: 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%.
Accumulated other comprehensive income climbed 9.2% in Q2 2026, from -$4.4M to -$4.0M. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Bank of Monroe is 4th of 15 on CET1 ratio, 21.49% as of Q2 2026, above the middle of the field. The Bank of Monroe reported 21.49% on CET1 ratio for Q2 2026, 6.42 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 | 21.49% |
| Tier 1 risk-based capital ratio | 21.49% |
| Total risk-based capital ratio | 22.79% |
| Tier 1 leverage ratio | 13.22% |
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 | $33.9M |
| Tier 1 capital | $33.9M |
| Total risk-based capital | $36.0M |
| Total equity capital | $30.0M |
| Risk-weighted assets | $157.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.76% |
| Tangible equity to tangible assets | 11.72% |
| Equity capital to average assets | 11.69% |
| Internal capital growth rate | 12.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $125K |
| Common stock surplus | $6.4M |
| Retained earnings | $27.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 20.53% | 20.53% | 21.73% | 12.83% | $134.6M |
| Q4 2023 | 20.83% | 20.83% | 22.06% | 12.61% | $135.2M |
| Q1 2024 | 20.98% | 20.98% | 22.20% | 12.78% | $136.9M |
| Q2 2024 | 21.32% | 21.32% | 22.53% | 12.91% | $137.6M |
| Q3 2024 | 20.90% | 20.90% | 22.06% | 12.88% | $143.0M |
| Q4 2024 | 20.46% | 20.46% | 21.58% | 12.95% | $147.7M |
| Q1 2025 | 20.83% | 20.83% | 22.01% | 12.77% | $148.7M |
| Q2 2025 | 21.66% | 21.66% | 22.86% | 12.95% | $146.5M |
| Q3 2025 | 21.58% | 21.58% | 22.77% | 12.80% | $147.8M |
| Q4 2025 | 21.11% | 21.11% | 22.36% | 12.67% | $152.5M |
| Q1 2026 | 21.13% | 21.13% | 22.38% | 13.04% | $156.4M |
| Q2 2026 | 21.49% | 21.49% | 22.79% | 13.22% | $157.9M |
The Bank of Monroe regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Monroe, 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 Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6180) · FFIEC NIC profile (RSSD 849432)