Merrick 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 total assets dropped 1.17 percentage points in Q2 2026, from 18.80% to 17.63%. It was the largest change from Q1 2026 among the key lines here. Merrick Bank ranks 12th of 28 Utah banks on CET1 ratio, in the upper half at 16.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Merrick Bank sits 3.32 points higher, at 16.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.80% |
| Tier 1 risk-based capital ratio | 16.80% |
| Total risk-based capital ratio | 18.21% |
| Tier 1 leverage ratio | 16.59% |
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 | $1.50B |
| Tier 1 capital | $1.50B |
| Total risk-based capital | $1.63B |
| Total equity capital | $1.61B |
| Risk-weighted assets | $8.95B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.63% |
| Tangible equity to tangible assets | 16.60% |
| Equity capital to average assets | 17.54% |
| Internal capital growth rate | -17.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $628.0M |
| Retained earnings | $987.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 25.65% | 25.65% | 27.06% | 21.67% | $5.15B |
| Q4 2023 | 23.78% | 23.78% | 25.18% | 20.97% | $5.47B |
| Q1 2024 | 23.71% | 23.71% | 25.12% | 20.93% | $5.42B |
| Q2 2024 | 22.18% | 22.18% | 23.57% | 22.23% | $5.92B |
| Q3 2024 | 24.28% | 24.28% | 25.69% | 22.76% | $5.64B |
| Q4 2024 | 22.00% | 22.00% | 23.41% | 20.11% | $6.16B |
| Q1 2025 | 30.77% | 30.77% | 32.18% | 24.33% | $6.19B |
| Q2 2025 | 20.17% | 20.17% | 21.56% | 19.66% | $8.68B |
| Q3 2025 | 20.10% | 20.10% | 21.50% | 19.44% | $8.92B |
| Q4 2025 | 20.09% | 20.09% | 21.50% | 19.34% | $9.00B |
| Q1 2026 | 17.81% | 17.81% | 19.22% | 17.11% | $8.81B |
| Q2 2026 | 16.80% | 16.80% | 18.21% | 16.59% | $8.95B |
Merrick Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merrick 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 Merrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34519) · FFIEC NIC profile (RSSD 2615190)