Manhattan 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 6.8% in Q2 2026 to $8.8M, the biggest move on this page. Manhattan Bank ranks 5th of 21 Montana banks on CET1 ratio, in the upper half at 17.25% (Q2 2026). Manhattan Bank reported 17.25% on CET1 ratio for Q2 2026, 2.17 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.25% |
| Tier 1 risk-based capital ratio | 17.25% |
| Total risk-based capital ratio | 18.51% |
| Tier 1 leverage ratio | 9.90% |
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 | $28.8M |
| Tier 1 capital | $28.8M |
| Total risk-based capital | $31.0M |
| Total equity capital | $24.0M |
| Risk-weighted assets | $167.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.37% |
| Tangible equity to tangible assets | 8.37% |
| Equity capital to average assets | 8.25% |
| Internal capital growth rate | 9.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $19.2M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 14.65% | 14.65% | 15.90% | 9.09% | $164.2M |
| Q4 2023 | 14.39% | 14.39% | 15.65% | 9.41% | $170.5M |
| Q1 2024 | 14.54% | 14.54% | 15.80% | 9.42% | $170.5M |
| Q2 2024 | 14.92% | 14.92% | 16.17% | 9.55% | $168.9M |
| Q3 2024 | 15.01% | 15.01% | 16.26% | 9.72% | $170.0M |
| Q4 2024 | 15.50% | 15.50% | 16.76% | 9.80% | $168.4M |
| Q1 2025 | 15.93% | 15.93% | 17.19% | 9.55% | $166.5M |
| Q2 2025 | 16.27% | 16.27% | 17.53% | 9.89% | $165.6M |
| Q3 2025 | 16.50% | 16.50% | 17.76% | 10.03% | $165.9M |
| Q4 2025 | 16.45% | 16.45% | 17.71% | 10.05% | $169.6M |
| Q1 2026 | 16.56% | 16.56% | 17.82% | 10.04% | $170.7M |
| Q2 2026 | 17.25% | 17.25% | 18.51% | 9.90% | $167.2M |
Manhattan Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Manhattan 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 Manhattan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11823) · FFIEC NIC profile (RSSD 614751)