Mega 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%.
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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.9% to $32.1M. Within California, Mega Bank is 30th of 74 on CET1 ratio, 16.35% as of Q2 2026. Mega Bank reported 16.35% on CET1 ratio for Q2 2026, 1.27 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 | 16.35% |
| Tier 1 risk-based capital ratio | 16.35% |
| Total risk-based capital ratio | 17.60% |
| Tier 1 leverage ratio | 14.43% |
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 | $74.8M |
| Tier 1 capital | $74.8M |
| Total risk-based capital | $80.5M |
| Total equity capital | $74.1M |
| Risk-weighted assets | $457.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.62% |
| Tangible equity to tangible assets | 14.62% |
| Equity capital to average assets | 14.30% |
| Internal capital growth rate | 9.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $42.7M |
| Common stock surplus | $0 |
| Retained earnings | $32.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$698K |
| 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 | — | — | — | 13.44% | — |
| Q4 2023 | — | — | — | 12.95% | — |
| Q1 2024 | — | — | — | 12.46% | — |
| Q2 2024 | 15.65% | 15.65% | 16.90% | 12.18% | $413.4M |
| Q3 2024 | 15.41% | 15.41% | 16.66% | 12.89% | $428.5M |
| Q4 2024 | 15.30% | 15.30% | 16.55% | 12.70% | $441.8M |
| Q1 2025 | 15.03% | 15.03% | 16.28% | 12.99% | $454.3M |
| Q2 2025 | 15.75% | 15.75% | 17.00% | 13.61% | $441.3M |
| Q3 2025 | 15.44% | 15.44% | 16.69% | 13.99% | $456.3M |
| Q4 2025 | 15.92% | 15.92% | 17.17% | 13.85% | $453.5M |
| Q1 2026 | 16.48% | 16.48% | 17.73% | 13.95% | $442.5M |
| Q2 2026 | 16.35% | 16.35% | 17.60% | 14.43% | $457.1M |
Mega Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mega 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 Mega Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58401) · FFIEC NIC profile (RSSD 3690635)