Mercer County State Bank: Tier 1 Risk-Based Capital Ratio
Data as of · sourced from FFIEC call reports. How we update
Mercer County State Bank reported a tier 1 risk-based capital ratio of 13.48% as of Q4 2024. That is down 0.37 percentage points from 13.85% a year earlier, and below the 14.36% median of the 443 Midsize Community Banks ($500M–$1B in assets). Tier 1 Risk-Based Capital combines Common Equity Tier 1 plus Additional Tier 1 instruments, the broader capital measure after CET1.
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What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
Read Tier 1 RBC alongside CET1: a large gap between them means the bank relies meaningfully on preferred stock for its capital base, which is more expensive and less flexible than common equity. Most community banks show Tier 1 RBC within a few basis points of CET1. The bands below are BankRegReports analyst bands, not prompt corrective action categories; PCA treats a Tier 1 ratio of 8% or more as well capitalized.
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What is Mercer County State Bank's Tier 1 Risk-Based Capital Ratio?
Mercer County State Bank's Tier 1 Risk-Based Capital Ratio was 13.48% as of Q4 2024.
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
More Mercer County State Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Mercer County State Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)