Members Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 91.41% +82.41 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $27.4M | 27,384 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $30.0M | 29,956 | RCOAA224 |
| Recomputed ratio | 91.41% | numerator / denominator | |
| Filed ratio | 91.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +82.41 pp | $24.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 34,743 | 34,744 | 34,744 | 34,743 | 34,743 | 34,745 | RCOAP742 |
| Retained earnings | (4,537) | (4,428) | (4,355) | (4,015) | (3,325) | (2,792) | RCOAKW00 |
| Accumulated other comprehensive income | (1,536) | (1,549) | (1,427) | (1,418) | (1,565) | (1,645) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,670 | 28,767 | 28,962 | 29,310 | 29,853 | 30,308 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,390) | (1,383) | (1,511) | 827 | 967 | 1,041 | P859 - P840 |
| Common equity Tier 1 capital | 27,280 | 27,384 | 27,451 | 30,137 | 30,820 | 31,349 | RCOAP859 |
| Additional Tier 1 capital | 104 | 104 | 104 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 27,384 | 27,488 | 27,555 | 30,137 | 30,820 | 31,349 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 29,956 | 30,355 | 31,881 | 35,093 | 35,505 | 36,712 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 91.41% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 90.56% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 86.43% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 85.88% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 86.80% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 85.39% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 87.68% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 84.75% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 87.73% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 87.31% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 88.59% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 87.45% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Members Trust Company (this bank) | CBLR | NA | NA | NA | 91.41% | |
| First American Bank | $34.3M | CBLR | NA | NA | NA | 13.06% |
| The Private Trust Company, N.A. | $34.4M | Risk-based | 242.64% | 242.64% | 242.64% | 91.77% |
| The First National Bank of Proctor | $34.0M | Risk-based | 25.38% | 25.38% | 26.18% | 8.47% |
| Dayforce National Trust Bank | $33.9M | CBLR | NA | NA | NA | 104.15% |
| The First State Bank of Dongola | $34.7M | Risk-based | 19.06% | 19.06% | 20.02% | 9.81% |
| First Summit Bank | $33.8M | CBLR | NA | NA | NA | 13.68% |
| Marquette Farmers State Bank of Marquette Kansas | $33.6M | CBLR | NA | NA | NA | 17.54% |
| Farmers State Bank | $35.4M | Risk-based | 27.75% | 27.75% | 29.00% | 10.85% |
| The Marion National Bank | $35.4M | CBLR | NA | NA | NA | 12.99% |
| Citizens State Bank | $35.6M | CBLR | NA | NA | NA | 11.43% |
| Peer 25th percentile | 23.80% | 23.80% | 24.64% | 11.00% | ||
| Peer median | 26.57% | 26.57% | 27.59% | 13.03% | ||
| Peer 75th percentile | 81.47% | 81.47% | 82.41% | 16.58% | ||
| This bank's percentile | NA | NA | NA | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3219269/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.