Metro City Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.04% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 10.04% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 17.14% +10.64 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $499.6M | 499,581 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.92B | 2,915,333 | RCOAA223 |
| Recomputed ratio | 17.14% | numerator / denominator | |
| Filed ratio | 17.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.64 pp | $310.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.14% +9.14 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $499.6M | 499,581 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.92B | 2,915,333 | RCOAA223 |
| Recomputed ratio | 17.14% | numerator / denominator | |
| Filed ratio | 17.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.14 pp | $266.4M | capital that could be lost first |
Total risk-based capital ratio 18.04% +8.04 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $525.9M | 525,934 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.92B | 2,915,333 | RCOAA223 |
| Recomputed ratio | 18.04% | numerator / denominator | |
| Filed ratio | 18.04% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.04 pp | $234.4M | capital that could be lost first |
Tier 1 leverage ratio 11.08% +6.08 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $499.6M | 499,581 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.51B | 4,510,786 | RCOAA224 |
| Recomputed ratio | 11.08% | numerator / denominator | |
| Filed ratio | 11.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.08 pp | $274.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 95,237 | 94,643 | 94,217 | 50,294 | 49,355 | 48,755 | RCOAP742 |
| Retained earnings | 419,835 | 405,994 | 393,360 | 389,559 | 378,587 | 367,603 | RCOAKW00 |
| Accumulated other comprehensive income | (75) | 589 | 1,666 | 3,512 | 5,586 | 8,960 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 514,997 | 501,226 | 489,243 | 443,365 | 433,528 | 425,318 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,416) | (16,398) | (17,793) | (3,512) | (5,586) | (8,960) | P859 - P840 |
| Common equity Tier 1 capital | 499,581 | 484,828 | 471,450 | 439,853 | 427,942 | 416,358 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 499,581 | 484,828 | 471,450 | 439,853 | 427,942 | 416,358 | RCOA8274 |
| Tier 2 capital | 26,353 | 27,045 | 28,132 | 18,173 | 18,943 | 18,873 | RCOA5311 |
| Allowance includable in Tier 2 capital | 26,353 | 27,045 | 28,132 | 18,173 | 18,943 | 18,873 | RCOA5310 |
| Total capital | 525,934 | 511,873 | 499,582 | 458,026 | 446,885 | 435,231 | RCOA3792 |
| Total risk-weighted assets | 2,915,333 | 2,937,751 | 2,978,404 | 2,220,052 | 2,162,377 | 2,179,285 | RCOAA223 |
| Average total assets for the leverage ratio | 4,510,786 | 4,634,148 | 4,790,723 | 3,623,764 | 3,613,413 | 3,562,087 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $249.9M | $11.3M | 4.51% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $47.7M | $24.7M | 51.86% | 0.85% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $12.3M | $2.5M | 20.00% | 0.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.36B | $1.18B | 50.00% | 40.45% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $8.0M | $8.0M | 100.00% | 0.28% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.59B | $1.44B | 90.25% | 49.34% | RC-R Part II, item 4.d, 5.d |
| All other assets | $208.7M | $188.7M | 90.41% | 6.47% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $62.3M | $62.3M | 100.00% | 2.14% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.0M | $200K | 20.00% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $500 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.92B | ties to item 31 ($2.92B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.92B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.92B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.50% | 16.50% | 17.42% | 10.46% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.83% | 15.83% | 16.77% | 9.84% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.81% | 19.81% | 20.63% | 12.14% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.79% | 19.79% | 20.67% | 11.84% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 19.11% | 19.11% | 19.97% | 11.69% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 19.04% | 19.04% | 19.93% | 11.49% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.03% | 19.03% | 19.94% | 11.07% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.16% | 18.16% | 19.03% | 10.70% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.86% | 16.86% | 17.72% | 10.21% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.64% | 16.64% | 17.51% | 10.15% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.89% | 16.89% | 17.77% | 9.99% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Metro City Bank (this bank) | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% | |
| Arrow Bank N.A. | $4.46B | Risk-based | 12.71% | 12.71% | 13.87% | 9.33% |
| ChoiceOne Bank | $4.45B | Risk-based | 11.81% | 11.81% | 12.92% | 9.30% |
| Capital City Bank | $4.45B | Risk-based | 18.18% | 18.18% | 19.43% | 10.29% |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| Texas Exchange Bank | $4.49B | Risk-based | 30.06% | 30.06% | 30.82% | 12.44% |
| HomeTrust Bank | $4.44B | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% |
| First State Community Bank | $4.51B | Risk-based | 14.35% | 14.35% | 15.43% | 11.68% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| First Business Bank | $4.41B | Risk-based | 11.17% | 11.17% | 12.18% | 10.37% |
| Sunwest Bank | $4.41B | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% |
| Peer 25th percentile | 11.94% | 11.94% | 13.00% | 9.86% | ||
| Peer median | 13.22% | 13.23% | 14.35% | 10.60% | ||
| Peer 75th percentile | 17.22% | 17.22% | 18.43% | 11.51% | ||
| This bank's percentile | 70 | 70 | 70 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3437456/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.