Metropolitan Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 13.09% +4.09 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $30.2M | 30,239 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $231.1M | 231,061 | RCOAA224 |
| Recomputed ratio | 13.09% | numerator / denominator | |
| Filed ratio | 13.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.09 pp | $9.4M | 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 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 28,239 | 28,206 | 27,947 | 27,580 | 27,237 | 26,926 | RCOAKW00 |
| Accumulated other comprehensive income | (50) | (48) | (42) | (48) | (62) | (65) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,189 | 30,158 | 29,905 | 29,532 | 29,175 | 28,861 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 50 | 48 | 42 | 48 | 62 | 65 | P859 - P840 |
| Common equity Tier 1 capital | 30,239 | 30,206 | 29,947 | 29,580 | 29,237 | 28,926 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,239 | 30,206 | 29,947 | 29,580 | 29,237 | 28,926 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 231,061 | 232,441 | 237,161 | 240,670 | 243,479 | 237,197 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 13.09% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.29% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.01% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.19% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.07% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.62% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.71% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.03% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.08% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.07% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Metropolitan Bank (this bank) | CBLR | NA | NA | NA | 13.09% | |
| The First National Bank of Manchester | $230.1M | Risk-based | 14.52% | 14.52% | 15.77% | 9.86% |
| The First National Bank of Anderson | $230.4M | CBLR | NA | NA | NA | 12.02% |
| Bank of Lincoln County | $230.1M | CBLR | NA | NA | NA | 12.23% |
| Landmark Bank | $229.8M | CBLR | NA | NA | NA | 11.46% |
| The Wanda State Bank | $229.8M | CBLR | NA | NA | NA | 12.12% |
| Eagle Valley Bank | $229.6M | CBLR | NA | NA | NA | 10.44% |
| Bank of Columbia | $231.1M | CBLR | NA | NA | NA | 9.31% |
| The Citizens State Bank of Ouray | $231.2M | Risk-based | 12.03% | 12.03% | 12.97% | 8.40% |
| The First National Bank of Waynesboro | $229.1M | Risk-based | 34.39% | 34.39% | 35.65% | 19.14% |
| Peer 25th percentile | 13.28% | 13.28% | 14.37% | 9.86% | ||
| Peer median | 14.52% | 14.52% | 15.77% | 11.46% | ||
| Peer 75th percentile | 24.46% | 24.46% | 25.71% | 12.12% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/534466/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.