Marseilles 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%.
Total risk-based capital ratio climbed 3.55 percentage points in Q2 2026, from 17.64% to 21.19%. It was the largest change from Q1 2026 among the key lines here. Marseilles Bank ranks 46th of 198 Illinois banks on CET1 ratio, in the upper half at 20.06% (Q2 2026). At 20.06%, Marseilles Bank's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.06% |
| Tier 1 risk-based capital ratio | 20.06% |
| Total risk-based capital ratio | 21.19% |
| Tier 1 leverage ratio | 8.31% |
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 | $6.7M |
| Tier 1 capital | $6.7M |
| Total risk-based capital | $7.1M |
| Total equity capital | $4.2M |
| Risk-weighted assets | $33.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.46% |
| Tangible equity to tangible assets | 5.46% |
| Equity capital to average assets | 5.23% |
| Internal capital growth rate | 10.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $465K |
| Retained earnings | $6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | — | — | — | 8.72% | — |
| Q4 2023 | — | — | — | 8.50% | — |
| Q1 2024 | — | — | — | 8.13% | — |
| Q2 2024 | 16.94% | 16.94% | 17.84% | 8.13% | $38.3M |
| Q3 2024 | 16.01% | 16.01% | 16.87% | 7.99% | $40.4M |
| Q4 2024 | 16.52% | 16.52% | 17.43% | 8.04% | $39.3M |
| Q1 2025 | 16.65% | 16.65% | 17.57% | 8.05% | $39.0M |
| Q2 2025 | 16.82% | 16.82% | 17.73% | 8.14% | $38.8M |
| Q3 2025 | 16.92% | 16.92% | 17.86% | 8.02% | $38.8M |
| Q4 2025 | 16.68% | 16.68% | 17.60% | 8.21% | $39.8M |
| Q1 2026 | 16.61% | 16.61% | 17.64% | 8.24% | $39.9M |
| Q2 2026 | 20.06% | 20.06% | 21.19% | 8.31% | $33.6M |
Marseilles Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Marseilles 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 Marseilles Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16318) · FFIEC NIC profile (RSSD 104542)