Merchants 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%.
Risk-weighted assets climbed 10.4% in Q2 2026, from $176.4M to $194.8M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Merchants Bank is 12th of 25 on CET1 ratio, 13.87% as of Q2 2026, above the middle of the field. Merchants Bank reported 13.87% on CET1 ratio for Q2 2026, 1.20 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.87% |
| Tier 1 risk-based capital ratio | 13.87% |
| Total risk-based capital ratio | 15.03% |
| Tier 1 leverage ratio | 10.56% |
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 | $27.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | $29.3M |
| Total equity capital | $26.5M |
| Risk-weighted assets | $194.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.43% |
| Tangible equity to tangible assets | 10.38% |
| Equity capital to average assets | 10.36% |
| Internal capital growth rate | 10.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $9.3M |
| Retained earnings | $16.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$633K |
| 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 | 10.34% | 10.34% | 11.21% | 9.38% | $206.3M |
| Q4 2023 | 10.46% | 10.46% | 11.36% | 9.21% | $205.8M |
| Q1 2024 | 11.46% | 11.46% | 12.43% | 9.23% | $191.7M |
| Q2 2024 | 10.89% | 10.89% | 11.84% | 9.56% | $206.4M |
| Q3 2024 | 10.44% | 10.44% | 11.36% | 9.30% | $220.7M |
| Q4 2024 | 11.45% | 11.45% | 12.44% | 9.59% | $205.9M |
| Q1 2025 | 12.74% | 12.74% | 13.82% | 9.69% | $187.9M |
| Q2 2025 | 12.07% | 12.07% | 13.12% | 10.01% | $204.6M |
| Q3 2025 | 12.69% | 12.69% | 13.76% | 10.24% | $200.5M |
| Q4 2025 | 12.89% | 12.89% | 14.01% | 10.05% | $200.1M |
| Q1 2026 | 14.91% | 14.91% | 16.16% | 10.17% | $176.4M |
| Q2 2026 | 13.87% | 13.87% | 15.03% | 10.56% | $194.8M |
Merchants Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8943) · FFIEC NIC profile (RSSD 700458)