Mechanics 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%.
The standout move of Q2 2026 was in Retained earnings: 30.3% lower than in Q1 2026, at $240.5M. Mechanics Bank ranks 36th of 74 California banks on CET1 ratio, in the upper half at 15.48% (Q2 2026). Mechanics Bank reported 15.48% on CET1 ratio for Q2 2026, 2.53 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.48% |
| Tier 1 risk-based capital ratio | 15.48% |
| Total risk-based capital ratio | 16.74% |
| Tier 1 leverage ratio | 9.38% |
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 | $1.92B |
| Tier 1 capital | $1.92B |
| Total risk-based capital | $2.07B |
| Total equity capital | $2.83B |
| Risk-weighted assets | $12.37B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.30% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 13.24% |
| Internal capital growth rate | -14.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $2.60B |
| Retained earnings | $240.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.1M |
| 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 | 14.03% | 14.03% | 15.38% | 8.78% | $10.90B |
| Q4 2023 | 14.83% | 14.83% | 16.17% | 9.32% | $10.64B |
| Q1 2024 | 13.69% | 13.69% | 14.94% | 8.39% | $10.17B |
| Q2 2024 | 14.65% | 14.65% | 15.79% | 8.78% | $9.87B |
| Q3 2024 | 15.29% | 15.29% | 16.42% | 8.93% | $9.57B |
| Q4 2024 | 16.14% | 16.14% | 17.14% | 9.66% | $9.35B |
| Q1 2025 | 16.89% | 16.89% | 17.77% | 9.91% | $9.16B |
| Q2 2025 | 18.27% | 18.27% | 19.10% | 10.16% | $8.71B |
| Q3 2025 | 14.87% | 14.87% | 16.13% | 11.46% | $13.63B |
| Q4 2025 | 15.59% | 15.59% | 16.81% | 9.58% | $13.17B |
| Q1 2026 | 14.96% | 14.96% | 16.21% | 9.31% | $12.95B |
| Q2 2026 | 15.48% | 15.48% | 16.74% | 9.38% | $12.37B |
Mechanics Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics 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 Mechanics Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1768) · FFIEC NIC profile (RSSD 936462)