Merchants National 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.38 percentage points in Q2 2026 to 9.57%, the biggest move on this page. Within Ohio, Merchants National Bank is 67th of 84 on CET1 ratio, 12.00% as of Q2 2026, below the middle of the field. Merchants National Bank reported 12.00% on CET1 ratio for Q2 2026, 1.48 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.00% |
| Tier 1 risk-based capital ratio | 12.00% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 8.91% |
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 | $113.0M |
| Tier 1 capital | $113.0M |
| Total risk-based capital | $124.3M |
| Total equity capital | $121.3M |
| Risk-weighted assets | $941.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.57% |
| Tangible equity to tangible assets | 8.67% |
| Equity capital to average assets | 9.47% |
| Internal capital growth rate | -5.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $47.8M |
| Retained earnings | $75.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 10.71% | 10.71% | 11.85% | 8.08% | $975.6M |
| Q4 2023 | 10.48% | 10.48% | 11.60% | 8.16% | $992.2M |
| Q1 2024 | 11.08% | 11.08% | 12.25% | 8.03% | $955.8M |
| Q2 2024 | 10.91% | 10.91% | 12.07% | 8.03% | $967.9M |
| Q3 2024 | 11.06% | 11.06% | 12.21% | 8.06% | $972.7M |
| Q4 2024 | 11.06% | 11.06% | 12.20% | 8.15% | $975.8M |
| Q1 2025 | 11.58% | 11.58% | 12.76% | 8.28% | $952.6M |
| Q2 2025 | 11.65% | 11.65% | 12.83% | 8.37% | $956.6M |
| Q3 2025 | 12.11% | 12.11% | 13.30% | 8.54% | $947.1M |
| Q4 2025 | 11.78% | 11.78% | 12.98% | 8.43% | $948.1M |
| Q1 2026 | 12.21% | 12.21% | 13.42% | 8.68% | $939.3M |
| Q2 2026 | 12.00% | 12.00% | 13.20% | 8.91% | $941.6M |
Merchants National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6605) · FFIEC NIC profile (RSSD 701222)