Main Bank: 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%.
Equity capital to total assets rose 0.53 percentage points from Q1 2026 to Q2 2026, ending at 11.75% against 11.22%. It was the largest change among the key lines on this page. Main Bank ranks 17th of 20 New Mexico banks on CET1 ratio, in the lower half at 14.82% (Q2 2026). At 14.82%, Main Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.82% |
| Tier 1 risk-based capital ratio | 14.82% |
| Total risk-based capital ratio | 16.07% |
| Tier 1 leverage ratio | 11.55% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $31.9M |
| Total equity capital | $28.8M |
| Risk-weighted assets | $198.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.75% |
| Tangible equity to tangible assets | 11.75% |
| Equity capital to average assets | 11.31% |
| Internal capital growth rate | 3.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $9.1M |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$601K |
| 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 | 12.77% | 12.77% | 13.97% | 10.05% | $198.8M |
| Q4 2023 | 12.97% | 12.97% | 14.21% | 10.29% | $199.3M |
| Q1 2024 | 12.98% | 12.98% | 14.23% | 10.39% | $202.6M |
| Q2 2024 | 12.85% | 12.85% | 14.10% | 10.21% | $206.7M |
| Q3 2024 | 12.99% | 12.99% | 14.24% | 10.30% | $207.5M |
| Q4 2024 | 13.42% | 13.42% | 14.67% | 10.38% | $205.0M |
| Q1 2025 | 13.92% | 13.92% | 15.17% | 11.13% | $202.3M |
| Q2 2025 | 14.02% | 14.02% | 15.27% | 11.70% | $203.9M |
| Q3 2025 | 14.22% | 14.22% | 15.47% | 11.12% | $203.7M |
| Q4 2025 | 14.60% | 14.60% | 15.85% | 10.48% | $197.6M |
| Q1 2026 | 15.19% | 15.19% | 16.44% | 11.41% | $192.0M |
| Q2 2026 | 14.82% | 14.82% | 16.07% | 11.55% | $198.5M |
Main Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Bank, 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 Main Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22086) · FFIEC NIC profile (RSSD 430054)