McIntosh County 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%.
Accumulated other comprehensive income dropped 11.8% in Q2 2026, from -$1.9M to -$2.1M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.01% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $13.5M |
| Tier 1 capital | $13.5M |
| Total risk-based capital | — |
| Total equity capital | $11.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.26% |
| Internal capital growth rate | 16.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $2.9M |
| Retained earnings | $10.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 15.00% | 15.00% | 16.26% | 11.31% | $84.4M |
| Q4 2023 | 13.83% | 13.83% | 15.09% | 10.70% | $86.4M |
| Q1 2024 | 13.76% | 13.76% | 15.02% | 10.87% | $90.0M |
| Q2 2024 | 15.13% | 15.13% | 16.38% | 10.93% | $85.3M |
| Q3 2024 | 15.90% | 15.90% | 17.16% | 11.64% | $84.4M |
| Q4 2024 | 14.83% | 14.83% | 16.08% | 11.11% | $84.2M |
| Q1 2025 | 14.69% | 14.69% | 15.95% | 11.37% | $88.2M |
| Q2 2025 | 15.62% | 15.62% | 16.88% | 11.49% | $86.2M |
| Q3 2025 | — | — | — | 11.93% | — |
| Q4 2025 | 14.85% | 14.85% | 16.10% | 10.69% | $84.7M |
| Q1 2026 | 13.83% | 13.83% | 15.09% | 11.12% | $94.4M |
| Q2 2026 | — | — | — | 11.01% | — |
McIntosh County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock McIntosh County 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 McIntosh County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13794) · FFIEC NIC profile (RSSD 720858)