McBank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 4.8% from Q1 2026 to Q2 2026, ending at $35.5M against $33.9M. It was the largest change among the key lines on this page. McBank ranks 73rd of 184 Texas banks on CET1 ratio, in the upper half at 18.50% (Q2 2026). McBank reported 18.50% on CET1 ratio for Q2 2026, 3.42 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.50% |
| Tier 1 risk-based capital ratio | 18.50% |
| Total risk-based capital ratio | 19.68% |
| Tier 1 leverage ratio | 10.01% |
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 | $47.6M |
| Tier 1 capital | $47.6M |
| Total risk-based capital | $50.6M |
| Total equity capital | $35.5M |
| Risk-weighted assets | $257.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.61% |
| Tangible equity to tangible assets | 7.18% |
| Equity capital to average assets | 7.44% |
| Internal capital growth rate | 13.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $21.6M |
| Retained earnings | $26.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.2M |
| 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 | 19.42% | 19.42% | 20.67% | 10.54% | $245.3M |
| Q4 2023 | 19.00% | 19.00% | 20.25% | 10.62% | $251.7M |
| Q1 2024 | 20.07% | 20.07% | 21.32% | 11.03% | $245.0M |
| Q2 2024 | 19.51% | 19.51% | 20.76% | 11.24% | $253.4M |
| Q3 2024 | 19.57% | 19.57% | 20.82% | 11.37% | $255.5M |
| Q4 2024 | 19.69% | 19.69% | 20.94% | 11.48% | $254.4M |
| Q1 2025 | 19.71% | 19.71% | 20.96% | 11.66% | $258.6M |
| Q2 2025 | 17.06% | 17.06% | 18.30% | 9.87% | $256.3M |
| Q3 2025 | 17.52% | 17.52% | 18.73% | 9.84% | $256.0M |
| Q4 2025 | 17.86% | 17.86% | 19.08% | 9.57% | $252.2M |
| Q1 2026 | 18.62% | 18.62% | 19.87% | 9.75% | $249.5M |
| Q2 2026 | 18.50% | 18.50% | 19.68% | 10.01% | $257.1M |
McBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock McBank, 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 McBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15669) · FFIEC NIC profile (RSSD 522753)