Macon Bank and 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%.
In Q2 2026, Accumulated other comprehensive income edged down by 2.3%, from -$21.5M to -$22.0M, the largest move 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 | 9.91% |
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 | $83.3M |
| Tier 1 capital | $83.3M |
| Total risk-based capital | — |
| Total equity capital | $61.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.53% |
| Tangible equity to tangible assets | 7.47% |
| Equity capital to average assets | 7.34% |
| Internal capital growth rate | 11.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $600K |
| Retained earnings | $82.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.0M |
| 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 | 9.92% | 4.63% | 4.56% |
| Q4 2023 | 9.76% | 5.67% | 5.60% |
| Q1 2024 | 9.62% | 5.44% | 5.37% |
| Q2 2024 | 9.50% | 5.79% | 5.73% |
| Q3 2024 | 9.70% | 6.84% | 6.77% |
| Q4 2024 | 9.83% | 6.18% | 6.12% |
| Q1 2025 | 9.88% | 6.61% | 6.55% |
| Q2 2025 | 10.11% | 6.83% | 6.76% |
| Q3 2025 | 10.29% | 7.55% | 7.49% |
| Q4 2025 | 10.20% | 7.63% | 7.58% |
| Q1 2026 | 10.02% | 7.34% | 7.28% |
| Q2 2026 | 9.91% | 7.53% | 7.47% |
Macon Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Macon Bank and 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 Macon Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6091) · FFIEC NIC profile (RSSD 709639)