Bristol Morgan Bank: 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%.
The largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 1.35 percentage points to 15.03%. Bristol Morgan Bank ranks 34th of 85 Wisconsin banks on CET1 ratio, in the upper half at 13.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bristol Morgan Bank sits 1.29 points lower, at 13.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.78% |
| Tier 1 risk-based capital ratio | 13.78% |
| Total risk-based capital ratio | 15.03% |
| Tier 1 leverage ratio | 10.25% |
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 | $20.0M |
| Tier 1 capital | $20.0M |
| Total risk-based capital | $21.8M |
| Total equity capital | $19.8M |
| Risk-weighted assets | $144.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.37% |
| Tangible equity to tangible assets | 10.35% |
| Equity capital to average assets | 10.18% |
| Internal capital growth rate | 11.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $5.8M |
| Retained earnings | $13.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$176K |
| 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 | 15.18% | 15.18% | 16.39% | 11.36% | $126.1M |
| Q4 2023 | 14.35% | 14.35% | 15.60% | 10.76% | $122.9M |
| Q1 2024 | 14.56% | 14.56% | 15.76% | 11.15% | $122.0M |
| Q2 2024 | 14.27% | 14.27% | 15.52% | 11.42% | $125.4M |
| Q3 2024 | — | — | — | 10.74% | — |
| Q4 2024 | 12.92% | 12.92% | 13.88% | 10.72% | $143.0M |
| Q1 2025 | 14.17% | 14.17% | 15.27% | 11.00% | $132.5M |
| Q2 2025 | 13.57% | 13.57% | 14.68% | 10.82% | $141.5M |
| Q3 2025 | 12.97% | 12.97% | 14.07% | 10.85% | $150.2M |
| Q4 2025 | 12.86% | 12.86% | 14.02% | 10.25% | $148.4M |
| Q1 2026 | 12.53% | 12.53% | 13.68% | 10.24% | $154.6M |
| Q2 2026 | 13.78% | 13.78% | 15.03% | 10.25% | $144.8M |
Bristol Morgan Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol Morgan Bank, 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 Bristol Morgan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9523) · FFIEC NIC profile (RSSD 807348)