Bank of New Madrid: 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 dropped 1.11 percentage points in Q3 2026, from 14.08% to 12.97%. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.55% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $17.0M |
| Tier 1 capital | $17.0M |
| Total risk-based capital | — |
| Total equity capital | $15.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
| Equity capital to average assets | 12.98% |
| Internal capital growth rate | 5.58% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $414K |
| Common stock surplus | $1.3M |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 |
|---|---|---|---|
| Q4 2023 | 13.61% | 11.99% | 11.99% |
| Q1 2024 | 12.05% | 11.31% | 11.31% |
| Q2 2024 | 12.40% | 11.82% | 11.82% |
| Q3 2024 | 13.23% | 12.92% | 12.92% |
| Q4 2024 | 13.61% | 12.11% | 12.11% |
| Q1 2025 | 12.44% | 11.87% | 11.87% |
| Q2 2025 | 12.96% | 12.66% | 12.66% |
| Q3 2025 | 13.82% | 13.38% | 13.38% |
| Q4 2025 | 14.20% | 13.92% | 13.92% |
| Q1 2026 | 13.65% | 13.39% | 13.39% |
| Q2 2026 | 14.11% | 14.08% | 14.08% |
| Q3 2026 | 14.55% | 12.97% | 12.97% |
Bank of New Madrid regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New Madrid, 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 New Madrid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14701) · FFIEC NIC profile (RSSD 688556)