Mercer County State 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 5.1% in Q2 2026 to -$16.4M, the biggest move on this page.
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 | 10.27% |
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 | $62.4M |
| Tier 1 capital | $62.4M |
| Total risk-based capital | — |
| Total equity capital | $48.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.85% |
| Tangible equity to tangible assets | 7.56% |
| Equity capital to average assets | 7.87% |
| Internal capital growth rate | -2.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $201K |
| Common stock surplus | $2.3M |
| Retained earnings | $61.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.4M |
| 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 | 14.43% | 14.43% | 15.45% | 9.71% | $389.2M |
| Q4 2023 | 13.85% | 13.85% | 14.77% | 9.94% | $411.5M |
| Q1 2024 | 13.87% | 13.87% | 14.77% | 10.01% | $419.4M |
| Q2 2024 | 13.50% | 13.50% | 14.41% | 9.86% | $433.9M |
| Q3 2024 | 14.15% | 14.15% | 15.10% | 9.99% | $423.6M |
| Q4 2024 | 13.48% | 13.48% | 14.42% | 9.90% | $440.4M |
| Q1 2025 | — | — | — | 10.05% | — |
| Q2 2025 | — | — | — | 9.94% | — |
| Q3 2025 | — | — | — | 10.08% | — |
| Q4 2025 | — | — | — | 10.15% | — |
| Q1 2026 | — | — | — | 10.46% | — |
| Q2 2026 | — | — | — | 10.27% | — |
Mercer County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer County State 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 Mercer County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)