Commercial Bank of Mott: 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 standout move of Q2 2026 was in Equity capital to total assets: 0.91 percentage points higher than in Q1 2026, at 12.63%.
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 | 13.10% |
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 | $18.5M |
| Tier 1 capital | $18.5M |
| Total risk-based capital | — |
| Total equity capital | $17.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.63% |
| Tangible equity to tangible assets | 12.63% |
| Equity capital to average assets | 12.49% |
| Internal capital growth rate | 14.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.5M |
| Retained earnings | $17.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$853K |
| 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 | — | — | — | 11.79% | — |
| Q4 2023 | 12.43% | 12.43% | 13.17% | 11.66% | $127.5M |
| Q1 2024 | 13.12% | 13.12% | 13.95% | 11.35% | $117.6M |
| Q2 2024 | 12.16% | 12.16% | 12.90% | 11.60% | $132.5M |
| Q3 2024 | — | — | — | 11.24% | — |
| Q4 2024 | — | — | — | 11.83% | — |
| Q1 2025 | — | — | — | 11.54% | — |
| Q2 2025 | — | — | — | 11.91% | — |
| Q3 2025 | — | — | — | 12.22% | — |
| Q4 2025 | — | — | — | 13.16% | — |
| Q1 2026 | — | — | — | 12.43% | — |
| Q2 2026 | — | — | — | 13.10% | — |
Commercial Bank of Mott regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Mott, 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 Commercial Bank of Mott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15741) · FFIEC NIC profile (RSSD 1008553)