Bank of Monticello: 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 8.4% in Q2 2026, from -$2.7M to -$2.5M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.2M |
| Tier 1 capital | $19.2M |
| Total risk-based capital | — |
| Total equity capital | $16.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.52% |
| Tangible equity to tangible assets | 10.52% |
| Equity capital to average assets | 10.42% |
| Internal capital growth rate | 15.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $325K |
| Retained earnings | $18.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.22% | 9.01% | 9.00% |
| Q4 2023 | 12.37% | 10.01% | 10.00% |
| Q1 2024 | 11.49% | 9.27% | 9.26% |
| Q2 2024 | 11.70% | 9.37% | 9.36% |
| Q3 2024 | 12.00% | 10.33% | 10.32% |
| Q4 2024 | 11.98% | 9.46% | 9.46% |
| Q1 2025 | 11.48% | 9.46% | 9.45% |
| Q2 2025 | 11.59% | 9.43% | 9.43% |
| Q3 2025 | 12.23% | 10.67% | 10.67% |
| Q4 2025 | 12.28% | 10.15% | 10.15% |
| Q1 2026 | 11.41% | 10.15% | 10.15% |
| Q2 2026 | 11.95% | 10.52% | 10.52% |
Bank of Monticello regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Monticello, 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 Bank of Monticello profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12232) · FFIEC NIC profile (RSSD 937553)