Metropolitan Commercial 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.9% to $439.3M. Metropolitan Commercial Bank ranks 67th of 82 New York banks on CET1 ratio, in the lower half at 12.91% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Metropolitan Commercial Bank sits 0.57 points lower, at 12.91% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.91% |
| Total risk-based capital ratio | 13.73% |
| Tier 1 leverage ratio | 11.07% |
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 | $996.5M |
| Tier 1 capital | $996.5M |
| Total risk-based capital | $1.06B |
| Total equity capital | $967.2M |
| Risk-weighted assets | $7.72B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 10.82% |
| Equity capital to average assets | 10.73% |
| Internal capital growth rate | 8.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $565.5M |
| Retained earnings | $439.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$39.0M |
| 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 | 11.85% | 11.85% | 12.77% | 10.36% | $5.81B |
| Q4 2023 | 11.52% | 11.52% | 12.49% | 10.17% | $6.11B |
| Q1 2024 | 11.68% | 11.68% | 12.64% | 9.97% | $6.18B |
| Q2 2024 | 11.80% | 11.80% | 12.78% | 10.02% | $6.26B |
| Q3 2024 | 11.93% | 11.93% | 12.94% | 10.21% | $6.31B |
| Q4 2024 | 11.97% | 11.97% | 12.98% | 10.49% | $6.48B |
| Q1 2025 | 11.05% | 11.05% | 12.08% | 10.00% | $6.77B |
| Q2 2025 | 10.87% | 10.87% | 11.96% | 9.78% | $7.02B |
| Q3 2025 | 10.45% | 10.45% | 11.70% | 9.39% | $7.20B |
| Q4 2025 | 10.49% | 10.49% | 11.74% | 9.06% | $7.22B |
| Q1 2026 | 13.13% | 13.13% | 14.27% | 11.36% | $7.43B |
| Q2 2026 | 12.91% | 12.91% | 13.73% | 11.07% | $7.72B |
Metropolitan Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Metropolitan Commercial 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 Metropolitan Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34699) · FFIEC NIC profile (RSSD 2705895)