Mercer Savings 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%.
The biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged up 0.42 percentage points between Q1 2026 and Q2 2026, to 19.90%. Mercer Savings Bank ranks 20th of 84 Ohio banks on CET1 ratio, in the upper half at 19.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Mercer Savings Bank sits 4.08 points higher, at 19.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.15% |
| Tier 1 risk-based capital ratio | 19.15% |
| Total risk-based capital ratio | 19.90% |
| Tier 1 leverage ratio | 13.16% |
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 | $23.2M |
| Tier 1 capital | $23.2M |
| Total risk-based capital | $24.1M |
| Total equity capital | $22.9M |
| Risk-weighted assets | $121.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.02% |
| Tangible equity to tangible assets | 13.02% |
| Equity capital to average assets | 13.03% |
| Internal capital growth rate | 6.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $4.1M |
| Retained earnings | $19.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$291K |
| 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 | 18.15% | 18.15% | 18.99% | 13.11% | $111.2M |
| Q4 2023 | 17.25% | 17.25% | 18.07% | 12.36% | $117.5M |
| Q1 2024 | 16.82% | 16.82% | 17.62% | 12.25% | $121.2M |
| Q2 2024 | 15.93% | 15.93% | 16.72% | 12.06% | $129.2M |
| Q3 2024 | 15.60% | 15.60% | 16.33% | 11.62% | $133.7M |
| Q4 2024 | 15.80% | 15.80% | 16.52% | 11.67% | $133.9M |
| Q1 2025 | 15.71% | 15.71% | 16.40% | 11.71% | $135.5M |
| Q2 2025 | 16.26% | 16.26% | 16.99% | 12.04% | $132.8M |
| Q3 2025 | 17.07% | 17.07% | 17.82% | 12.55% | $129.3M |
| Q4 2025 | 17.88% | 17.88% | 18.62% | 12.66% | $125.2M |
| Q1 2026 | 18.76% | 18.76% | 19.48% | 12.96% | $121.5M |
| Q2 2026 | 19.15% | 19.15% | 19.90% | 13.16% | $121.0M |
Mercer Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30084) · FFIEC NIC profile (RSSD 661072)