Main Street 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%.
Common equity tier 1 ratio rose 0.80 percentage points from Q1 2026 to Q2 2026, ending at 17.31% against 16.51%. It was the largest change among the key lines on this page. Within Massachusetts, Main Street Bank is 13th of 59 on CET1 ratio, 17.31% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Main Street Bank sits 3.83 points higher, at 17.31% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.31% |
| Tier 1 risk-based capital ratio | 17.31% |
| Total risk-based capital ratio | 18.31% |
| Tier 1 leverage ratio | 12.04% |
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 | $202.4M |
| Tier 1 capital | $202.4M |
| Total risk-based capital | $214.1M |
| Total equity capital | $183.7M |
| Risk-weighted assets | $1.17B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.03% |
| Tangible equity to tangible assets | 10.98% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | 6.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $203.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.3M |
| 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 | — | — | — | 9.97% | — |
| Q4 2023 | — | — | — | 9.49% | — |
| Q1 2024 | — | — | — | 9.70% | — |
| Q2 2024 | 13.49% | 13.49% | 14.71% | 10.10% | $1.28B |
| Q3 2024 | 14.27% | 14.27% | 15.48% | 10.48% | $1.23B |
| Q4 2024 | 14.37% | 14.37% | 15.48% | 10.61% | $1.23B |
| Q1 2025 | 15.04% | 15.04% | 16.08% | 10.63% | $1.20B |
| Q2 2025 | 14.82% | 14.82% | 15.78% | 11.07% | $1.24B |
| Q3 2025 | 15.84% | 15.84% | 16.72% | 11.44% | $1.23B |
| Q4 2025 | 16.26% | 16.26% | 17.29% | 11.80% | $1.21B |
| Q1 2026 | 16.51% | 16.51% | 17.52% | 12.06% | $1.21B |
| Q2 2026 | 17.31% | 17.31% | 18.31% | 12.04% | $1.17B |
Main Street Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street 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 Street Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90235) · FFIEC NIC profile (RSSD 818401)