Meridian 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%.
Retained earnings rose 3.3% from Q1 2026 to Q2 2026, ending at $136.7M against $132.3M. 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 | 9.72% |
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 | $251.7M |
| Tier 1 capital | $251.7M |
| Total risk-based capital | — |
| Total equity capital | $249.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.63% |
| Tangible equity to tangible assets | 9.51% |
| Equity capital to average assets | 9.63% |
| Internal capital growth rate | 7.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13.4M |
| Common stock surplus | $104.9M |
| Retained earnings | $136.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.6M |
| Subordinated notes and debentures | $407K |
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 | 9.65% | 9.05% | 8.89% |
| Q4 2023 | 9.46% | 9.09% | 8.93% |
| Q1 2024 | 9.42% | 9.08% | 8.93% |
| Q2 2024 | 9.33% | 8.99% | 8.85% |
| Q3 2024 | 9.32% | 9.10% | 8.95% |
| Q4 2024 | 9.21% | 9.20% | 9.06% |
| Q1 2025 | 9.30% | 8.74% | 8.61% |
| Q2 2025 | 9.32% | 9.09% | 8.96% |
| Q3 2025 | 9.41% | 9.29% | 9.16% |
| Q4 2025 | 9.50% | 9.53% | 9.41% |
| Q1 2026 | 9.58% | 9.50% | 9.38% |
| Q2 2026 | 9.72% | 9.63% | 9.51% |
Meridian Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Meridian 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 Meridian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57777) · FFIEC NIC profile (RSSD 3271799)