Marquette Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.58% +4.58 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $191.9M | 191,874 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.41B | 1,413,088 | RCOAA224 |
| Recomputed ratio | 13.58% | numerator / denominator | |
| Filed ratio | 13.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.58 pp | $64.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 195,440 | 193,521 | 192,718 | 191,640 | 190,904 | 190,053 | RCOAKW00 |
| Accumulated other comprehensive income | (26,297) | (28,133) | (25,957) | (28,649) | (33,175) | (34,342) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 169,143 | 165,388 | 166,761 | 162,991 | 157,729 | 155,711 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,731 | 24,567 | 22,329 | 25,371 | 29,747 | 31,773 | P859 - P840 |
| Common equity Tier 1 capital | 191,874 | 189,955 | 189,090 | 188,362 | 187,476 | 187,484 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 191,874 | 189,955 | 189,090 | 188,362 | 187,476 | 187,484 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,413,088 | 1,382,747 | 1,353,168 | 1,343,264 | 1,339,234 | 1,303,004 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.58% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 13.74% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 13.97% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 14.02% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 14.00% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 14.39% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 14.47% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 14.94% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 15.34% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 14.75% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 14.67% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 14.95% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Marquette Savings Bank (this bank) | CBLR | NA | NA | NA | 13.58% | |
| American Riviera Bank | $1.44B | Risk-based | 12.40% | 12.40% | 13.56% | 11.25% |
| The Union Bank Company | $1.44B | Risk-based | 15.13% | 15.13% | 16.12% | 10.78% |
| Watertown Savings Bank | $1.44B | Risk-based | 28.39% | 28.39% | 28.71% | 12.03% |
| Citizens Alliance Bank | $1.44B | Risk-based | 12.58% | 12.58% | 13.60% | 9.81% |
| American State Bank | $1.45B | Risk-based | 11.78% | 11.78% | 13.03% | 10.81% |
| Washington Financial Bank | $1.44B | CBLR | NA | NA | NA | 14.75% |
| Malaga Bank, FSB | $1.45B | Risk-based | 27.47% | 27.47% | 27.91% | 16.76% |
| Relyance Bank | $1.43B | Risk-based | 14.69% | 14.69% | 15.77% | 13.27% |
| Peer 25th percentile | 12.49% | 12.49% | 13.58% | 10.80% | ||
| Peer median | 14.69% | 14.69% | 15.77% | 11.64% | ||
| Peer 75th percentile | 21.30% | 21.30% | 22.02% | 13.64% | ||
| This bank's percentile | NA | NA | NA | 75 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/304173/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.