Main Street Bank Corp.: 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%.
The standout move of Q2 2026 was in Retained earnings: 8.9% higher than in Q1 2026, at $55.5M. Within Ohio, Main Street Bank Corp. is 72nd of 84 on CET1 ratio, 11.63% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Main Street Bank Corp. sits 1.85 points lower, at 11.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.63% |
| Tier 1 risk-based capital ratio | 11.63% |
| Total risk-based capital ratio | 12.80% |
| Tier 1 leverage ratio | 9.25% |
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 | $142.4M |
| Tier 1 capital | $142.4M |
| Total risk-based capital | $156.7M |
| Total equity capital | $151.3M |
| Risk-weighted assets | $1.22B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.74% |
| Tangible equity to tangible assets | 8.97% |
| Equity capital to average assets | 9.73% |
| Internal capital growth rate | 12.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.9M |
| Common stock surplus | $97.5M |
| Retained earnings | $55.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 9.33% | 9.33% | 10.49% | 7.50% | $628.6M |
| Q4 2023 | 9.58% | 9.58% | 10.75% | 7.57% | $629.1M |
| Q1 2024 | 9.63% | 9.63% | 10.76% | 7.61% | $637.1M |
| Q2 2024 | 11.60% | 11.60% | 12.81% | 11.87% | $1.01B |
| Q3 2024 | 10.81% | 10.81% | 11.91% | 8.86% | $1.11B |
| Q4 2024 | 11.31% | 11.31% | 12.43% | 8.88% | $1.09B |
| Q1 2025 | 11.36% | 11.36% | 12.50% | 9.00% | $1.11B |
| Q2 2025 | 11.14% | 11.14% | 12.27% | 8.97% | $1.14B |
| Q3 2025 | 11.08% | 11.08% | 12.22% | 8.96% | $1.16B |
| Q4 2025 | 11.37% | 11.37% | 12.53% | 9.02% | $1.17B |
| Q1 2026 | 11.88% | 11.88% | 13.11% | 9.15% | $1.16B |
| Q2 2026 | 11.63% | 11.63% | 12.80% | 9.25% | $1.22B |
Main Street Bank Corp. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street Bank Corp., 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 Corp. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29847) · FFIEC NIC profile (RSSD 985479)