Members Trust Company: 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 standout move of Q2 2026 was in Equity capital to average assets: 0.78 percentage points higher than in Q1 2026, at 87.51%.
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 | 91.41% |
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 | $27.3M |
| Tier 1 capital | $27.4M |
| Total risk-based capital | — |
| Total equity capital | $28.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 83.98% |
| Tangible equity to tangible assets | 83.71% |
| Equity capital to average assets | 87.51% |
| Internal capital growth rate | -1.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $33.6M |
| Retained earnings | -$4.5M |
| Preferred stock and surplus | $104K |
| Accumulated other comprehensive income | -$1.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 87.45% | 80.44% | 80.13% |
| Q4 2023 | 88.59% | 80.81% | 80.51% |
| Q1 2024 | 87.31% | 81.18% | 80.88% |
| Q2 2024 | 87.73% | 81.10% | 80.79% |
| Q3 2024 | 84.75% | 80.47% | 80.15% |
| Q4 2024 | 87.68% | 80.65% | 80.33% |
| Q1 2025 | 85.39% | 83.60% | 83.33% |
| Q2 2025 | 86.80% | 82.05% | 81.76% |
| Q3 2025 | 85.88% | 79.46% | 79.13% |
| Q4 2025 | 86.43% | 84.19% | 83.92% |
| Q1 2026 | 90.56% | 83.39% | 83.11% |
| Q2 2026 | 91.41% | 83.98% | 83.71% |
Members Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Members Trust Company, 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 Members Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57470) · FFIEC NIC profile (RSSD 3219269)