The City National Bank of Metropolis: 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 biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged down 0.46 percentage points between Q1 2026 and Q2 2026, to 25.17%. The City National Bank of Metropolis ranks 24th of 198 Illinois banks on CET1 ratio, in the upper half at 24.06% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, The City National Bank of Metropolis reported 24.06% on CET1 ratio in Q2 2026, 8.99 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.06% |
| Tier 1 risk-based capital ratio | 24.06% |
| Total risk-based capital ratio | 25.17% |
| Tier 1 leverage ratio | 13.78% |
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 | $62.3M |
| Tier 1 capital | $62.3M |
| Total risk-based capital | $65.2M |
| Total equity capital | $47.5M |
| Risk-weighted assets | $259.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.68% |
| Tangible equity to tangible assets | 10.68% |
| Equity capital to average assets | 10.50% |
| Internal capital growth rate | 1.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $400K |
| Retained earnings | $61.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.9M |
| 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 | 23.11% | 23.11% | 24.36% | 12.81% | $255.9M |
| Q4 2023 | 22.92% | 22.92% | 24.18% | 12.59% | $255.7M |
| Q1 2024 | 23.59% | 23.59% | 24.85% | 12.94% | $251.8M |
| Q2 2024 | 23.79% | 23.79% | 25.04% | 12.99% | $249.4M |
| Q3 2024 | 24.52% | 24.52% | 25.77% | 13.11% | $243.9M |
| Q4 2024 | 23.95% | 23.95% | 25.20% | 12.93% | $248.6M |
| Q1 2025 | 24.18% | 24.18% | 25.44% | 13.11% | $249.0M |
| Q2 2025 | 24.10% | 24.10% | 25.35% | 13.13% | $251.0M |
| Q3 2025 | 24.06% | 24.06% | 25.31% | 13.35% | $255.3M |
| Q4 2025 | 24.38% | 24.38% | 25.61% | 13.35% | $251.9M |
| Q1 2026 | 24.46% | 24.46% | 25.63% | 13.74% | $254.3M |
| Q2 2026 | 24.06% | 24.06% | 25.17% | 13.78% | $259.1M |
The City National Bank of Metropolis regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Metropolis, 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 City National Bank of Metropolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3814) · FFIEC NIC profile (RSSD 298245)