MB Remainco, Inc: Regulatory Capital and Risk-Weighted Assets
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As of 3Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 19.64% (3Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 19.64% (RCOAH311).
What each ratio is made of, 3Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 27.49% +20.99 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $684.0M | 683,997 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.49B | 2,488,222 | RCOAA223 |
| Recomputed ratio | 27.49% | numerator / denominator | |
| Filed ratio | 27.49% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +20.99 pp | $522.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 27.49% +19.49 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $684.0M | 683,997 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.49B | 2,488,222 | RCOAA223 |
| Recomputed ratio | 27.49% | numerator / denominator | |
| Filed ratio | 27.49% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +19.49 pp | $484.9M | capital that could be lost first |
Total risk-based capital ratio 27.64% +17.64 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $687.8M | 687,831 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.49B | 2,488,222 | RCOAA223 |
| Recomputed ratio | 27.64% | numerator / denominator | |
| Filed ratio | 27.64% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +17.64 pp | $439.0M | capital that could be lost first |
Tier 1 leverage ratio 12.56% +7.56 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $684.0M | 683,997 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.45B | 5,445,360 | RCOAA224 |
| Recomputed ratio | 12.56% | numerator / denominator | |
| Filed ratio | 12.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.56 pp | $411.7M | 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 | 3Q26 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,109,477 | 1,109,477 | 1,109,477 | 1,109,477 | 1,109,477 | 1,109,477 | RCOAP742 |
| Retained earnings | (386,794) | (350,705) | (352,161) | (220,259) | (167,911) | (139,397) | RCOAKW00 |
| Accumulated other comprehensive income | 189 | (2,549) | 419 | 4,279 | 3,590 | 2,079 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 722,872 | 756,223 | 757,735 | 893,497 | 945,156 | 972,159 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (38,875) | (30,463) | (15,499) | (12,010) | (33,493) | (11,421) | P859 - P840 |
| Common equity Tier 1 capital | 683,997 | 725,760 | 742,236 | 881,487 | 911,663 | 960,738 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 683,997 | 725,760 | 742,236 | 881,487 | 911,663 | 960,738 | RCOA8274 |
| Tier 2 capital | 3,834 | 3,802 | 4,591 | 60,346 | 64,334 | 64,693 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,834 | 3,802 | 4,591 | 60,346 | 64,334 | 64,693 | RCOA5310 |
| Total capital | 687,831 | 729,562 | 746,827 | 941,833 | 975,997 | 1,025,431 | RCOA3792 |
| Total risk-weighted assets | 2,488,222 | 3,033,823 | 4,814,524 | 5,105,356 | 4,987,443 | 4,999,387 | RCOAA223 |
| Average total assets for the leverage ratio | 5,445,360 | 7,539,113 | 7,697,517 | 7,485,086 | 6,944,036 | 7,035,022 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.14B | $214.6M | 18.84% | 8.63% | RC-R Part II, item 1 |
| Loans: residential mortgage | $110.6M | $57.2M | 51.75% | 2.30% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $8.1M | $9.4M | 116.23% | 0.38% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.95B | $1.74B | 89.16% | 69.89% | RC-R Part II, item 4.d, 5.d |
| All other assets | $191.7M | $258.1M | 134.62% | 10.37% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $210.1M | $209.8M | 99.86% | 8.43% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $12K | $12K | 100.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | — | $1K | — | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.49B | ties to item 31 ($2.49B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.49B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.49B | RCONG641, ties |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q26 | Risk-based | 27.49% | 27.49% | 27.64% | 12.56% | 13.62% | 13.62% | 14.73% | 10.57% |
| 2Q26 | Risk-based | 23.92% | 23.92% | 24.05% | 9.63% | 13.50% | 13.54% | 14.66% | 10.50% |
| 1Q26 | Risk-based | 15.42% | 15.42% | 15.51% | 9.64% | 13.42% | 13.44% | 14.57% | 10.45% |
| 4Q25 | Risk-based | 17.27% | 17.27% | 18.45% | 11.78% | 13.34% | 13.36% | 14.43% | 10.37% |
| 3Q25 | Risk-based | 18.28% | 18.28% | 19.57% | 13.13% | 13.37% | 13.38% | 14.48% | 10.36% |
| 2Q25 | Risk-based | 19.22% | 19.22% | 20.51% | 13.66% | 13.18% | 13.19% | 14.24% | 10.29% |
| 1Q25 | Risk-based | 21.09% | 21.09% | 22.38% | 15.45% | 13.10% | 13.11% | 14.23% | 10.22% |
| 4Q24 | Risk-based | 22.34% | 22.34% | 23.63% | 17.76% | 12.98% | 12.98% | 14.08% | 10.06% |
| 3Q24 | Risk-based | 14.81% | 14.81% | 16.10% | 11.93% | 12.97% | 12.98% | 14.12% | 10.10% |
| 2Q24 | Risk-based | 17.00% | 17.00% | 18.28% | 13.66% | 12.91% | 12.93% | 14.04% | 10.09% |
| 1Q24 | Risk-based | 19.88% | 19.88% | 21.16% | 14.13% | 12.89% | 12.89% | 14.00% | 10.04% |
| 4Q23 | Risk-based | 22.14% | 22.14% | 23.40% | 14.99% | 12.80% | 12.80% | 13.90% | 9.98% |
A dash 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, 3Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| MB Remainco, Inc (this bank) | Risk-based | 27.49% | 27.49% | 27.64% | 12.56% | |
| MVB Bank, Inc. | $3.45B | CBLR | — | — | — | 9.68% |
| Cornerstone Capital Bank, SSB | $3.42B | CBLR | — | — | — | 10.28% |
| Libertyville Bank & Trust Company, N.A. | $3.42B | Risk-based | 10.76% | 10.76% | 11.59% | 9.23% |
| Nelnet Bank | $3.42B | CBLR | — | — | — | 15.50% |
| First Western Trust Bank | $3.42B | Risk-based | 10.79% | 10.79% | 11.60% | 8.92% |
| Austin Bank, Texas N.A. | $3.42B | CBLR | — | — | — | 15.23% |
| Banterra Bank | $3.46B | CBLR | — | — | — | 9.24% |
| OakStar Bank | $3.42B | CBLR | — | — | — | 9.72% |
| First Citizens Community Bank | $3.41B | CBLR | — | — | — | 9.30% |
| BankFirst Financial Services | $3.40B | CBLR | — | — | — | 11.18% |
| Peer 25th percentile | 10.76% | 10.76% | 11.59% | 9.26% | ||
| Peer median | 10.77% | 10.77% | 11.60% | 9.70% | ||
| Peer 75th percentile | 10.78% | 10.78% | 11.60% | 10.96% | ||
| This bank's percentile | 100 | 100 | 100 | 80 |
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/930965/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.