Mauch Chunk 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 Total equity capital: 354.3% higher than in Q1 2026, at $6.9M. Within Pennsylvania, Mauch Chunk Trust Company is 31st of 72 on CET1 ratio, 15.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Mauch Chunk Trust Company reported 15.14% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.14% |
| Tier 1 risk-based capital ratio | 15.14% |
| Total risk-based capital ratio | 16.40% |
| Tier 1 leverage ratio | 7.94% |
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 | $54.9M |
| Tier 1 capital | $54.9M |
| Total risk-based capital | $59.4M |
| Total equity capital | $6.9M |
| Risk-weighted assets | $362.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 1.07% |
| Tangible equity to tangible assets | 1.07% |
| Equity capital to average assets | 1.00% |
| Internal capital growth rate | -5.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $980K |
| Common stock surplus | $1.8M |
| Retained earnings | $52.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$48.0M |
| 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 | 12.95% | 12.95% | 12.95% | 6.59% | $354.6M |
| Q4 2023 | 13.38% | 13.38% | 13.38% | 6.51% | $343.5M |
| Q1 2024 | 13.75% | 13.75% | 13.75% | 6.95% | $346.8M |
| Q2 2024 | 14.42% | 14.42% | 14.42% | 7.07% | $352.1M |
| Q3 2024 | 14.55% | 14.55% | 14.55% | 7.18% | $350.8M |
| Q4 2024 | 14.10% | 14.10% | 14.10% | 7.21% | $357.2M |
| Q1 2025 | 13.91% | 13.91% | 13.91% | 7.42% | $367.0M |
| Q2 2025 | 14.55% | 14.55% | 15.60% | 7.71% | $370.5M |
| Q3 2025 | 14.89% | 14.89% | 16.01% | 7.70% | $365.5M |
| Q4 2025 | 15.27% | 15.27% | 16.47% | 7.71% | $356.4M |
| Q1 2026 | 15.42% | 15.42% | 16.67% | 7.93% | $355.9M |
| Q2 2026 | 15.14% | 15.14% | 16.40% | 7.94% | $362.3M |
Mauch Chunk Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mauch Chunk 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 Mauch Chunk Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2359) · FFIEC NIC profile (RSSD 857811)