M C Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 42.96% +33.96 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $184.8M | 184,759 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $430.1M | 430,098 | RCOAA224 |
| Recomputed ratio | 42.96% | numerator / denominator | |
| Filed ratio | 42.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +33.96 pp | $146.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 224,000 | 14,000 | 14,000 | 14,000 | 14,000 | 14,000 | RCOAP742 |
| Retained earnings | (7,165) | 70,685 | 70,190 | 69,833 | 68,711 | 68,018 | RCOAKW00 |
| Accumulated other comprehensive income | 17 | (3,807) | (3,677) | (3,988) | (4,446) | (4,739) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 216,852 | 80,878 | 80,513 | 79,845 | 78,265 | 77,279 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (32,093) | 2,572 | 2,442 | 2,753 | 3,211 | 3,504 | P859 - P840 |
| Common equity Tier 1 capital | 184,759 | 83,450 | 82,955 | 82,598 | 81,476 | 80,783 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 184,759 | 83,450 | 82,955 | 82,598 | 81,476 | 80,783 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 430,098 | 481,307 | 480,322 | 474,701 | 452,585 | 440,621 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 42.96% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 17.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.00% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.33% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 17.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.99% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.80% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 17.90% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 18.39% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| M C Bank & Trust Company (this bank) | CBLR | NA | NA | NA | 42.96% | |
| Union Bank | $710.2M | Risk-based | 19.50% | 19.50% | 20.76% | 11.40% |
| Eagle Bank | $709.0M | CBLR | NA | NA | NA | 10.63% |
| Pioneer Trust Bank, N.A. | $712.5M | Risk-based | 19.92% | 19.92% | 21.17% | 15.26% |
| Time Bank | $712.8M | CBLR | NA | NA | NA | 11.91% |
| Grand Bank | $712.8M | Risk-based | 12.56% | 12.56% | 13.81% | 10.33% |
| Florida Capital Bank, N.A. | $713.1M | Risk-based | 15.04% | 15.04% | 16.29% | 9.77% |
| First & Farmers National Bank, Inc. | $714.2M | Risk-based | 14.61% | 14.61% | 15.86% | 11.51% |
| Pilgrim Bank | $714.6M | Risk-based | 14.44% | 14.44% | 15.37% | 10.21% |
| Prospect Bank | $715.6M | Risk-based | 12.09% | 12.09% | 12.77% | 8.50% |
| Putnam County Bank | $704.2M | CBLR | NA | NA | NA | 12.32% |
| Peer 25th percentile | 13.50% | 13.50% | 14.59% | 10.24% | ||
| Peer median | 14.61% | 14.61% | 15.86% | 11.01% | ||
| Peer 75th percentile | 17.27% | 17.27% | 18.53% | 11.81% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/1003839/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.