Maine Community 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%.
The largest change between Q1 2026 and Q2 2026 was in Common equity Tier 1 capital, which rose 3.6% to $296.2M.
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 | 10.11% |
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 | $296.2M |
| Tier 1 capital | $296.2M |
| Total risk-based capital | — |
| Total equity capital | $280.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 9.53% |
| Internal capital growth rate | 14.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $311.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$30.9M |
| 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 | 13.84% | 12.42% | 12.42% |
| Q4 2023 | 13.66% | 12.84% | 12.84% |
| Q1 2024 | 13.61% | 12.67% | 12.67% |
| Q2 2024 | 13.42% | 12.23% | 12.23% |
| Q3 2024 | 13.24% | 12.58% | 12.58% |
| Q4 2024 | 13.27% | 12.62% | 12.62% |
| Q1 2025 | 9.62% | 9.03% | 8.26% |
| Q2 2025 | 9.84% | 9.10% | 8.37% |
| Q3 2025 | 9.80% | 9.23% | 8.52% |
| Q4 2025 | 9.88% | 9.27% | 8.60% |
| Q1 2026 | 9.96% | 9.37% | 8.73% |
| Q2 2026 | 10.11% | 9.40% | 8.80% |
Maine Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Maine Community 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 Maine Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17741) · FFIEC NIC profile (RSSD 499501)