Merit 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%.
Accumulated other comprehensive income climbed 86.3% in Q2 2026, from -$1.9M to -$267K. It was the largest change from Q1 2026 among the key lines here. Merit Bank ranks 26th of 36 Alabama banks on CET1 ratio, in the lower half at 12.23% (Q2 2026). Merit Bank reported 12.23% on CET1 ratio for Q2 2026, 2.84 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.16% |
| Tier 1 leverage ratio | 9.70% |
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 | $53.3M |
| Tier 1 capital | $53.3M |
| Total risk-based capital | $57.3M |
| Total equity capital | $54.1M |
| Risk-weighted assets | $435.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.26% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 11.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $45.6M |
| Retained earnings | $8.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$267K |
| 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 | — | — | — | 11.40% | — |
| Q4 2023 | — | — | — | 10.76% | — |
| Q1 2024 | — | — | — | 10.13% | — |
| Q2 2024 | — | — | — | 9.56% | — |
| Q3 2024 | — | — | — | 8.92% | — |
| Q4 2024 | — | — | — | 8.86% | — |
| Q1 2025 | 9.93% | 9.93% | 10.76% | 8.92% | $391.3M |
| Q2 2025 | 11.71% | 11.71% | 12.63% | 8.68% | $339.5M |
| Q3 2025 | 12.00% | 12.00% | 12.77% | 10.85% | $419.6M |
| Q4 2025 | 13.01% | 13.01% | 13.98% | 10.21% | $391.5M |
| Q1 2026 | 11.49% | 11.49% | 12.28% | 10.12% | $451.9M |
| Q2 2026 | 12.23% | 12.23% | 13.16% | 9.70% | $435.7M |
Merit Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merit 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 Merit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15270) · FFIEC NIC profile (RSSD 290838)