Merchants Bank of Indiana: 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 fell 0.63 percentage points from Q1 2026 to Q2 2026, ending at 11.32% against 11.95%. It was the largest change among the key lines on this page. Merchants Bank of Indiana ranks 39th of 50 Indiana banks on CET1 ratio, in the lower half at 11.76% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Merchants Bank of Indiana sits 1.20 points lower, at 11.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.76% |
| Tier 1 risk-based capital ratio | 11.76% |
| Total risk-based capital ratio | 12.18% |
| Tier 1 leverage ratio | 11.28% |
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 | $2.31B |
| Tier 1 capital | $2.31B |
| Total risk-based capital | $2.40B |
| Total equity capital | $2.32B |
| Risk-weighted assets | $19.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.97% |
| Tangible equity to tangible assets | 10.93% |
| Equity capital to average assets | 11.32% |
| Internal capital growth rate | 11.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $401K |
| Common stock surplus | $855.9M |
| Retained earnings | $1.47B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 10.94% | 10.94% | 11.48% | 10.13% | $14.54B |
| Q4 2023 | 10.91% | 10.91% | 11.48% | 10.05% | $15.02B |
| Q1 2024 | 10.82% | 10.82% | 11.39% | 10.22% | $15.81B |
| Q2 2024 | 11.40% | 11.40% | 11.99% | 10.55% | $16.43B |
| Q3 2024 | 11.39% | 11.39% | 12.00% | 10.40% | $16.66B |
| Q4 2024 | 12.29% | 12.29% | 12.89% | 11.20% | $16.80B |
| Q1 2025 | 12.15% | 12.15% | 12.71% | 11.85% | $17.32B |
| Q2 2025 | 12.51% | 12.51% | 13.12% | 11.26% | $17.02B |
| Q3 2025 | 12.75% | 12.75% | 13.36% | 11.58% | $17.02B |
| Q4 2025 | 12.84% | 12.84% | 13.37% | 11.28% | $17.35B |
| Q1 2026 | 11.93% | 11.93% | 12.38% | 11.91% | $18.85B |
| Q2 2026 | 11.76% | 11.76% | 12.18% | 11.28% | $19.69B |
Merchants Bank of Indiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants Bank of Indiana, 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 of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8056) · FFIEC NIC profile (RSSD 963945)