Merchants State 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 18.3% higher than in Q1 2026, at -$3.6M.
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 | 17.26% |
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 | $38.9M |
| Tier 1 capital | $38.9M |
| Total risk-based capital | — |
| Total equity capital | $35.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.08% |
| Tangible equity to tangible assets | 16.08% |
| Equity capital to average assets | 15.68% |
| Internal capital growth rate | 9.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $55K |
| Common stock surplus | $23.6M |
| Retained earnings | $15.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 14.78% | 10.83% | 10.83% |
| Q4 2023 | 14.82% | 12.19% | 12.19% |
| Q1 2024 | 14.75% | 12.31% | 12.31% |
| Q2 2024 | 14.98% | 12.56% | 12.56% |
| Q3 2024 | 15.75% | 13.78% | 13.78% |
| Q4 2024 | 15.77% | 13.56% | 13.56% |
| Q1 2025 | 16.05% | 13.50% | 13.50% |
| Q2 2025 | 16.39% | 14.17% | 14.17% |
| Q3 2025 | 16.90% | 15.12% | 15.12% |
| Q4 2025 | 16.68% | 14.97% | 14.97% |
| Q1 2026 | 17.13% | 15.48% | 15.48% |
| Q2 2026 | 17.26% | 16.08% | 16.08% |
Merchants State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1125) · FFIEC NIC profile (RSSD 289757)