MainStreet Community Bank of Florida: 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 Retained earnings, which rose 6.1% to $49.6M.
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 | 9.45% |
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 | $88.5M |
| Tier 1 capital | $90.5M |
| Total risk-based capital | — |
| Total equity capital | $83.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.79% |
| Tangible equity to tangible assets | 8.79% |
| Equity capital to average assets | 8.75% |
| Internal capital growth rate | 14.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13.3M |
| Common stock surplus | $25.6M |
| Retained earnings | $49.6M |
| Preferred stock and surplus | $2.0M |
| Accumulated other comprehensive income | -$6.7M |
| 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 | 9.84% | 7.40% | 7.40% |
| Q4 2023 | 8.85% | 7.21% | 7.21% |
| Q1 2024 | 9.13% | 7.15% | 7.14% |
| Q2 2024 | 8.97% | 7.23% | 7.23% |
| Q3 2024 | 8.86% | 7.71% | 7.71% |
| Q4 2024 | 9.04% | 7.67% | 7.67% |
| Q1 2025 | 9.09% | 7.89% | 7.89% |
| Q2 2025 | 8.92% | 7.86% | 7.85% |
| Q3 2025 | 8.88% | 7.99% | 7.98% |
| Q4 2025 | 9.10% | 8.67% | 8.67% |
| Q1 2026 | 9.35% | 8.51% | 8.51% |
| Q2 2026 | 9.45% | 8.79% | 8.79% |
MainStreet Community Bank of Florida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock MainStreet Community Bank of Florida, 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 MainStreet Community Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57598) · FFIEC NIC profile (RSSD 3217957)