Marion Center 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 Total equity capital, which rose 2.7% to $26.7M. Marion Center Bank ranks 59th of 72 Pennsylvania banks on CET1 ratio, in the lower half at 12.03% (Q2 2026). Marion Center Bank reported 12.03% on CET1 ratio for Q2 2026, 3.04 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.03% |
| Tier 1 risk-based capital ratio | 12.03% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 7.91% |
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 | $34.6M |
| Tier 1 capital | $34.6M |
| Total risk-based capital | $37.7M |
| Total equity capital | $26.7M |
| Risk-weighted assets | $287.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.27% |
| Tangible equity to tangible assets | 6.19% |
| Equity capital to average assets | 6.10% |
| Internal capital growth rate | 10.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $123K |
| Common stock surplus | $1.2M |
| Retained earnings | $33.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 10.33% | 10.33% | 11.43% | 7.01% | $279.0M |
| Q4 2023 | 10.32% | 10.32% | 11.39% | 6.98% | $282.3M |
| Q1 2024 | 10.37% | 10.37% | 11.46% | 6.86% | $281.4M |
| Q2 2024 | 10.41% | 10.41% | 11.49% | 6.81% | $283.0M |
| Q3 2024 | 10.67% | 10.67% | 11.69% | 6.92% | $282.4M |
| Q4 2024 | 10.98% | 10.98% | 11.99% | 7.21% | $280.4M |
| Q1 2025 | 11.00% | 11.00% | 12.03% | 7.22% | $283.8M |
| Q2 2025 | 11.08% | 11.08% | 12.10% | 7.27% | $288.3M |
| Q3 2025 | 11.39% | 11.39% | 12.52% | 7.37% | $283.0M |
| Q4 2025 | 11.77% | 11.77% | 12.88% | 7.61% | $281.0M |
| Q1 2026 | 12.04% | 12.04% | 13.15% | 7.79% | $281.1M |
| Q2 2026 | 12.03% | 12.03% | 13.11% | 7.91% | $287.3M |
Marion Center Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion Center 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 Marion Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7909) · FFIEC NIC profile (RSSD 947525)