The Commercial and Savings Bank of Millersburg, Ohio: 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 3.3% in Q2 2026 to -$5.6M, the biggest move on this page. The Commercial and Savings Bank of Millersburg, Ohio ranks 32nd of 84 Ohio banks on CET1 ratio, in the upper half at 15.30% (Q2 2026). The Commercial and Savings Bank of Millersburg, Ohio reported 15.30% on CET1 ratio for Q2 2026, 1.82 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.55% |
| 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 | $131.7M |
| Tier 1 capital | $131.7M |
| Total risk-based capital | $142.5M |
| Total equity capital | $130.9M |
| Risk-weighted assets | $861.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.11% |
| Tangible equity to tangible assets | 9.78% |
| Equity capital to average assets | 10.14% |
| Internal capital growth rate | 10.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $11.7M |
| Retained earnings | $120.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.6M |
| 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 | 15.05% | 15.05% | 16.03% | 9.41% | $732.8M |
| Q4 2023 | 15.19% | 15.19% | 16.17% | 9.54% | $743.1M |
| Q1 2024 | 15.32% | 15.32% | 16.45% | 9.80% | $747.0M |
| Q2 2024 | 15.14% | 15.14% | 16.40% | 9.83% | $758.7M |
| Q3 2024 | 15.35% | 15.35% | 16.37% | 9.76% | $760.0M |
| Q4 2024 | 15.22% | 15.22% | 16.27% | 9.68% | $773.2M |
| Q1 2025 | 15.34% | 15.34% | 16.42% | 9.98% | $781.9M |
| Q2 2025 | 15.18% | 15.18% | 16.26% | 9.99% | $805.3M |
| Q3 2025 | 15.39% | 15.39% | 16.53% | 9.97% | $811.8M |
| Q4 2025 | 15.22% | 15.22% | 16.47% | 9.75% | $823.9M |
| Q1 2026 | 15.21% | 15.21% | 16.47% | 10.12% | $844.4M |
| Q2 2026 | 15.30% | 15.30% | 16.55% | 10.25% | $861.0M |
The Commercial and Savings Bank of Millersburg, Ohio regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial and Savings Bank of Millersburg, Ohio, 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 Commercial and Savings Bank of Millersburg, Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9139) · FFIEC NIC profile (RSSD 189129)