Manufacturers Bank & Trust Company: 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 Accumulated other comprehensive income: 12.5% higher than in Q1 2026, at -$6.0M. Manufacturers Bank & Trust Company ranks 72nd of 114 Iowa banks on CET1 ratio, in the lower half at 12.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Manufacturers Bank & Trust Company sits 2.20 points lower, at 12.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 10.44% |
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 | $75.6M |
| Tier 1 capital | $75.6M |
| Total risk-based capital | $83.0M |
| Total equity capital | $79.9M |
| Risk-weighted assets | $587.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.82% |
| Tangible equity to tangible assets | 9.56% |
| Equity capital to average assets | 10.87% |
| Internal capital growth rate | 4.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $27.0M |
| Retained earnings | $57.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 10.37% | 10.37% | 11.35% | 8.56% | $615.8M |
| Q4 2023 | 10.69% | 10.69% | 11.70% | 8.55% | $607.4M |
| Q1 2024 | 10.86% | 10.86% | 11.91% | 8.52% | $600.4M |
| Q2 2024 | 10.95% | 10.95% | 12.03% | 8.53% | $597.3M |
| Q3 2024 | 11.91% | 11.91% | 13.01% | 9.28% | $585.8M |
| Q4 2024 | 11.99% | 11.99% | 13.15% | 9.43% | $592.1M |
| Q1 2025 | 12.24% | 12.24% | 13.46% | 9.72% | $582.7M |
| Q2 2025 | 12.73% | 12.73% | 13.98% | 10.04% | $571.9M |
| Q3 2025 | 13.05% | 13.05% | 14.30% | 10.23% | $565.8M |
| Q4 2025 | 12.89% | 12.89% | 14.14% | 10.35% | $585.1M |
| Q1 2026 | 12.77% | 12.77% | 14.02% | 10.37% | $585.1M |
| Q2 2026 | 12.88% | 12.88% | 14.13% | 10.44% | $587.4M |
Manufacturers Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers Bank & Trust Company, 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 Manufacturers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16307) · FFIEC NIC profile (RSSD 215345)