Merchants and Planters 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%.
Equity capital to average assets climbed 1.51 percentage points in Q2 2026, from 16.43% to 17.94%. It was the largest change from Q1 2026 among the key lines here.
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 | 18.17% |
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 | $18.2M |
| Tier 1 capital | $36.6M |
| Total risk-based capital | — |
| Total equity capital | $36.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.31% |
| Tangible equity to tangible assets | 17.71% |
| Equity capital to average assets | 17.94% |
| Internal capital growth rate | 7.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $110K |
| Common stock surplus | $3.3M |
| Retained earnings | $16.2M |
| Preferred stock and surplus | $18.5M |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 16.88% | 15.22% | 14.25% |
| Q4 2023 | 16.55% | 15.54% | 14.61% |
| Q1 2024 | 17.12% | 16.40% | 15.46% |
| Q2 2024 | 17.65% | 17.14% | 16.23% |
| Q3 2024 | 17.56% | 16.23% | 15.44% |
| Q4 2024 | 16.07% | 13.84% | 13.13% |
| Q1 2025 | 16.35% | 16.07% | 15.33% |
| Q2 2025 | 16.85% | 16.53% | 15.83% |
| Q3 2025 | 16.65% | 16.15% | 15.51% |
| Q4 2025 | 15.85% | 15.82% | 15.22% |
| Q1 2026 | 16.61% | 17.26% | 16.65% |
| Q2 2026 | 18.17% | 18.31% | 17.71% |
Merchants and Planters Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants and Planters 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 Merchants and Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 327) · FFIEC NIC profile (RSSD 579636)