The Merchants & 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 rose 0.66 percentage points from Q1 2026 to Q2 2026, ending at 7.44% against 6.77%. It was the largest change among the key lines on this page.
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 | 11.30% |
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 | $5.8M |
| Tier 1 capital | $5.8M |
| Total risk-based capital | — |
| Total equity capital | $3.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.51% |
| Tangible equity to tangible assets | 7.51% |
| Equity capital to average assets | 7.44% |
| Internal capital growth rate | 3.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $600K |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 12.48% | 4.29% | 4.29% |
| Q4 2023 | 11.88% | 5.66% | 5.66% |
| Q1 2024 | 11.88% | 5.70% | 5.70% |
| Q2 2024 | 12.08% | 6.02% | 6.02% |
| Q3 2024 | 11.27% | 7.33% | 7.33% |
| Q4 2024 | 11.01% | 5.43% | 5.43% |
| Q1 2025 | 11.53% | 6.74% | 6.74% |
| Q2 2025 | 11.25% | 6.94% | 6.94% |
| Q3 2025 | 11.97% | 7.69% | 7.69% |
| Q4 2025 | 10.67% | 6.99% | 6.99% |
| Q1 2026 | 10.45% | 7.19% | 7.19% |
| Q2 2026 | 11.30% | 7.51% | 7.51% |
The Merchants & Planters Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Merchants & 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 The Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 107) · FFIEC NIC profile (RSSD 691042)