Metro 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets rose 0.57 percentage points from Q1 2026 to Q2 2026, ending at 14.41% against 13.84%. 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 | 14.68% |
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 | $174.9M |
| Tier 1 capital | $174.9M |
| Total risk-based capital | — |
| Total equity capital | $170.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.41% |
| Tangible equity to tangible assets | 14.41% |
| Equity capital to average assets | 14.31% |
| Internal capital growth rate | 11.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $86K |
| Common stock surplus | $1.0M |
| Retained earnings | $173.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 14.69% | 14.03% | 14.03% |
| Q4 2023 | 14.86% | 14.11% | 14.11% |
| Q1 2024 | 14.99% | 13.93% | 13.93% |
| Q2 2024 | 14.87% | 14.06% | 14.06% |
| Q3 2024 | 14.88% | 14.11% | 14.11% |
| Q4 2024 | 13.70% | 13.08% | 13.08% |
| Q1 2025 | 13.99% | 13.38% | 13.38% |
| Q2 2025 | 14.42% | 13.64% | 13.64% |
| Q3 2025 | 14.54% | 14.15% | 14.15% |
| Q4 2025 | 14.40% | 13.78% | 13.78% |
| Q1 2026 | 14.43% | 13.84% | 13.84% |
| Q2 2026 | 14.68% | 14.41% | 14.41% |
Metro Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27510) · FFIEC NIC profile (RSSD 1394621)