M C Bank & Trust Company: 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%.
Common stock surplus climbed 1544.1% in Q2 2026, from $13.6M to $223.6M. 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 | 42.96% |
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 | $184.8M |
| Tier 1 capital | $184.8M |
| Total risk-based capital | — |
| Total equity capital | $216.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 30.54% |
| Tangible equity to tangible assets | 27.26% |
| Equity capital to average assets | 46.92% |
| Internal capital growth rate | -39.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $223.6M |
| Retained earnings | -$7.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $17K |
| 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 | 18.39% | 17.55% | 17.30% |
| Q4 2023 | 17.90% | 16.52% | 16.29% |
| Q1 2024 | 17.80% | 16.29% | 16.06% |
| Q2 2024 | 17.80% | 16.87% | 16.63% |
| Q3 2024 | 17.99% | 17.06% | 16.83% |
| Q4 2024 | 17.57% | 17.58% | 17.34% |
| Q1 2025 | 18.33% | 17.43% | 17.20% |
| Q2 2025 | 18.00% | 16.57% | 16.35% |
| Q3 2025 | 17.40% | 16.68% | 16.46% |
| Q4 2025 | 17.27% | 16.84% | 16.62% |
| Q1 2026 | 17.34% | 16.51% | 16.30% |
| Q2 2026 | 42.96% | 30.54% | 27.26% |
M C Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock M C Bank & Trust Company, 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 M C Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17388) · FFIEC NIC profile (RSSD 1003839)