Metro City 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 rose 0.72 percentage points from Q1 2026 to Q2 2026, ending at 11.53% against 10.82%. It was the largest change among the key lines on this page. Within Georgia, Metro City Bank is 41st of 79 on CET1 ratio, 17.14% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Metro City Bank sits 3.66 points higher, at 17.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.14% |
| Tier 1 risk-based capital ratio | 17.14% |
| Total risk-based capital ratio | 18.04% |
| Tier 1 leverage ratio | 11.08% |
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 | $499.6M |
| Tier 1 capital | $499.6M |
| Total risk-based capital | $525.9M |
| Total equity capital | $515.0M |
| Risk-weighted assets | $2.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.53% |
| Tangible equity to tangible assets | 11.22% |
| Equity capital to average assets | 11.38% |
| Internal capital growth rate | 11.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $42.8M |
| Common stock surplus | $52.5M |
| Retained earnings | $419.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$75K |
| 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 | 16.89% | 16.89% | 17.77% | 9.99% | $2.04B |
| Q4 2023 | 16.64% | 16.64% | 17.51% | 10.15% | $2.12B |
| Q1 2024 | 16.86% | 16.86% | 17.72% | 10.21% | $2.14B |
| Q2 2024 | 18.16% | 18.16% | 19.03% | 10.70% | $2.10B |
| Q3 2024 | 19.03% | 19.03% | 19.94% | 11.07% | $2.07B |
| Q4 2024 | 19.04% | 19.04% | 19.93% | 11.49% | $2.13B |
| Q1 2025 | 19.11% | 19.11% | 19.97% | 11.69% | $2.18B |
| Q2 2025 | 19.79% | 19.79% | 20.67% | 11.84% | $2.16B |
| Q3 2025 | 19.81% | 19.81% | 20.63% | 12.14% | $2.22B |
| Q4 2025 | 15.83% | 15.83% | 16.77% | 9.84% | $2.98B |
| Q1 2026 | 16.50% | 16.50% | 17.42% | 10.46% | $2.94B |
| Q2 2026 | 17.14% | 17.14% | 18.04% | 11.08% | $2.92B |
Metro City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Metro City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58181) · FFIEC NIC profile (RSSD 3437456)