The Bank of Old 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 14.1% in Q2 2026, from -$45.0M to -$38.7M. 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 | 10.55% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $109.1M |
| Tier 1 capital | $109.1M |
| Total risk-based capital | — |
| Total equity capital | $70.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.08% |
| Tangible equity to tangible assets | 7.08% |
| Equity capital to average assets | 6.81% |
| Internal capital growth rate | -0.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $200K |
| Retained earnings | $108.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$38.7M |
| 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 | 11.71% | 3.01% | 3.01% |
| Q4 2023 | 11.46% | 5.32% | 5.32% |
| Q1 2024 | 11.31% | 5.30% | 5.30% |
| Q2 2024 | 10.79% | 5.46% | 5.46% |
| Q3 2024 | 10.72% | 6.23% | 6.23% |
| Q4 2024 | 10.40% | 5.63% | 5.63% |
| Q1 2025 | 10.57% | 5.36% | 5.36% |
| Q2 2025 | 10.79% | 5.65% | 5.65% |
| Q3 2025 | 10.64% | 6.37% | 6.37% |
| Q4 2025 | 10.79% | 7.25% | 7.25% |
| Q1 2026 | 10.68% | 6.45% | 6.45% |
| Q2 2026 | 10.55% | 7.08% | 7.08% |
The Bank of Old Monroe regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Old 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 Old Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1655) · FFIEC NIC profile (RSSD 880855)