Malaga Bank, FSB: 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%.
In Q2 2026, Risk-weighted assets edged up by 1.8%, from $866.1M to $881.5M, the largest move among the key lines here. Within California, Malaga Bank, FSB is 11th of 74 on CET1 ratio, 27.47% as of Q2 2026, above the middle of the field. Malaga Bank, FSB's CET1 ratio of 27.47% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 13.99 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.47% |
| Tier 1 risk-based capital ratio | 27.47% |
| Total risk-based capital ratio | 27.91% |
| Tier 1 leverage ratio | 16.76% |
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 | $242.2M |
| Tier 1 capital | $242.2M |
| Total risk-based capital | $246.0M |
| Total equity capital | $242.2M |
| Risk-weighted assets | $881.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.71% |
| Tangible equity to tangible assets | 16.71% |
| Equity capital to average assets | 16.76% |
| Internal capital growth rate | 5.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.5M |
| Common stock surplus | $14.0M |
| Retained earnings | $219.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 25.31% | 25.31% | 25.80% | 13.19% | $808.3M |
| Q4 2023 | 25.81% | 25.81% | 26.30% | 13.76% | $808.0M |
| Q1 2024 | 25.15% | 25.15% | 25.61% | 14.51% | $846.2M |
| Q2 2024 | 26.20% | 26.20% | 26.66% | 15.01% | $825.6M |
| Q3 2024 | 26.66% | 26.66% | 27.11% | 15.59% | $823.8M |
| Q4 2024 | 27.59% | 27.59% | 28.07% | 15.94% | $806.8M |
| Q1 2025 | 28.16% | 28.16% | 28.63% | 16.21% | $801.6M |
| Q2 2025 | 28.46% | 28.46% | 28.92% | 16.57% | $804.7M |
| Q3 2025 | 29.25% | 29.25% | 29.72% | 16.47% | $793.7M |
| Q4 2025 | 28.91% | 28.91% | 29.38% | 16.31% | $812.8M |
| Q1 2026 | 27.57% | 27.57% | 28.01% | 16.60% | $866.1M |
| Q2 2026 | 27.47% | 27.47% | 27.91% | 16.76% | $881.5M |
Malaga Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Malaga Bank, FSB, 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 Malaga Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32282) · FFIEC NIC profile (RSSD 773470)