Merrimack County Savings 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%.
In Q2 2026, Risk-weighted assets edged up by 2.4%, from $1.04B to $1.06B, the largest move among the key lines here. Merrimack County Savings Bank has the 2nd lowest CET1 ratio of the 8 banks headquartered in New Hampshire, at 12.75% as of Q2 2026. Merrimack County Savings Bank reported 12.75% on CET1 ratio for Q2 2026, 0.73 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.75% |
| Tier 1 risk-based capital ratio | 12.75% |
| Total risk-based capital ratio | 14.00% |
| Tier 1 leverage ratio | 9.76% |
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 | $135.8M |
| Tier 1 capital | $135.8M |
| Total risk-based capital | $149.1M |
| Total equity capital | $125.7M |
| Risk-weighted assets | $1.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.93% |
| Tangible equity to tangible assets | 8.77% |
| Equity capital to average assets | 9.02% |
| Internal capital growth rate | 4.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $10.0M |
| Retained earnings | $128.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.73% | 11.73% | 12.85% | 9.08% | $1.06B |
| Q4 2023 | 12.11% | 12.11% | 13.25% | 9.28% | $1.05B |
| Q1 2024 | 12.21% | 12.21% | 13.35% | 9.37% | $1.05B |
| Q2 2024 | 12.11% | 12.11% | 13.29% | 9.38% | $1.07B |
| Q3 2024 | 12.27% | 12.27% | 13.45% | 9.30% | $1.05B |
| Q4 2024 | 12.46% | 12.46% | 13.69% | 9.44% | $1.04B |
| Q1 2025 | 12.50% | 12.50% | 13.75% | 9.55% | $1.04B |
| Q2 2025 | 12.55% | 12.55% | 13.80% | 9.66% | $1.04B |
| Q3 2025 | 12.75% | 12.75% | 14.00% | 9.80% | $1.04B |
| Q4 2025 | 12.71% | 12.71% | 13.96% | 9.57% | $1.04B |
| Q1 2026 | 12.93% | 12.93% | 14.18% | 9.56% | $1.04B |
| Q2 2026 | 12.75% | 12.75% | 14.00% | 9.76% | $1.06B |
Merrimack County Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Merrimack County Savings 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 Merrimack County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17960) · FFIEC NIC profile (RSSD 74403)