Metropolitan Commercial Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.73% (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: 5.73% (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 12.91% +6.41 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 | $996.5M | 996,524 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.72B | 7,718,434 | RCOAA223 |
| Recomputed ratio | 12.91% | numerator / denominator | |
| Filed ratio | 12.91% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.41 pp | $494.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.91% +4.91 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 | $996.5M | 996,524 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.72B | 7,718,434 | RCOAA223 |
| Recomputed ratio | 12.91% | numerator / denominator | |
| Filed ratio | 12.91% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.91 pp | $379.1M | capital that could be lost first |
Total risk-based capital ratio 13.73% +3.73 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 | $1.06B | 1,060,105 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.72B | 7,718,434 | RCOAA223 |
| Recomputed ratio | 13.73% | numerator / denominator | |
| Filed ratio | 13.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.73 pp | $288.3M | capital that could be lost first |
Tier 1 leverage ratio 11.07% +6.07 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 | $996.5M | 996,524 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.00B | 9,002,307 | RCOAA224 |
| Recomputed ratio | 11.07% | numerator / denominator | |
| Filed ratio | 11.07% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.07 pp | $546.4M | 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 | 566,922 | 566,922 | 380,347 | 380,347 | 380,347 | 380,347 | RCOAP742 |
| Retained earnings | 439,335 | 418,748 | 386,116 | 381,066 | 392,818 | 377,523 | RCOAKW00 |
| Accumulated other comprehensive income | (39,044) | (39,233) | (39,739) | (41,852) | (45,455) | (47,170) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 967,213 | 946,437 | 726,724 | 719,561 | 727,710 | 710,700 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 29,311 | 29,500 | 30,006 | 32,121 | 35,723 | 37,437 | P859 - P840 |
| Common equity Tier 1 capital | 996,524 | 975,937 | 756,730 | 751,682 | 763,433 | 748,137 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 996,524 | 975,937 | 756,730 | 751,682 | 763,433 | 748,137 | RCOA8274 |
| Tier 2 capital | 63,581 | 84,480 | 90,299 | 90,027 | 76,241 | 69,849 | RCOA5311 |
| Allowance includable in Tier 2 capital | 63,581 | 84,480 | 90,299 | 90,027 | 76,241 | 69,849 | RCOA5310 |
| Total capital | 1,060,105 | 1,060,417 | 847,029 | 841,709 | 839,674 | 817,986 | RCOA3792 |
| Total risk-weighted assets | 7,718,434 | 7,430,382 | 7,215,021 | 7,195,848 | 7,020,994 | 6,773,260 | RCOAA223 |
| Average total assets for the leverage ratio | 9,002,307 | 8,593,222 | 8,350,290 | 8,002,588 | 7,808,225 | 7,479,075 | 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 | $239.3M | $1.6M | 0.68% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.15B | $125.8M | 10.95% | 1.63% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $131.0M | $65.5M | 50.00% | 0.85% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $9.7M | $14.5M | 150.00% | 0.19% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $67.0M | $99.3M | 148.20% | 1.29% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $7.12B | $7.12B | 100.00% | 92.26% | RC-R Part II, item 4.d, 5.d |
| All other assets | $224.0M | $198.3M | 88.56% | 2.57% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $116.9M | $91.1M | 77.97% | 1.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $6.6M | $966K | 14.64% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $200 | 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 | $7.72B | ties to item 31 ($7.72B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.72B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $7.72B | 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 | 12.91% | 12.91% | 13.73% | 11.07% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.13% | 13.13% | 14.27% | 11.36% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.49% | 10.49% | 11.74% | 9.06% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.45% | 10.45% | 11.70% | 9.39% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.87% | 10.87% | 11.96% | 9.78% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.05% | 11.05% | 12.08% | 10.00% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.97% | 11.97% | 12.98% | 10.49% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.93% | 11.93% | 12.94% | 10.21% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.80% | 11.80% | 12.78% | 10.02% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.68% | 11.68% | 12.64% | 9.97% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.52% | 11.52% | 12.49% | 10.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.85% | 11.85% | 12.77% | 10.36% | 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 |
|---|---|---|---|---|---|---|
| Metropolitan Commercial Bank (this bank) | Risk-based | 12.91% | 12.91% | 13.73% | 11.07% | |
| b1BANK | $8.89B | Risk-based | 12.33% | 12.33% | 13.20% | 10.91% |
| Salem Five Cents Savings Bank | $8.82B | Risk-based | 13.21% | 13.21% | 14.47% | 10.52% |
| Tompkins Bank & Trust | $8.79B | Risk-based | 11.91% | 11.91% | 12.82% | 9.11% |
| Wells Fargo National Bank West | $8.77B | Risk-based | 64.87% | 64.87% | 65.48% | 19.19% |
| Southside Bank | $8.76B | Risk-based | 16.28% | 16.28% | 17.10% | 11.43% |
| Woodforest National Bank | $8.98B | Risk-based | 11.27% | 11.27% | 12.52% | 9.35% |
| American Savings Bank, N.A. | $9.05B | Risk-based | 13.49% | 13.49% | 14.59% | 9.10% |
| First American Bank | $8.63B | Risk-based | 13.77% | 13.77% | 14.80% | 7.58% |
| Merrick Bank | $9.13B | Risk-based | 16.80% | 16.80% | 18.21% | 16.59% |
| Peer 25th percentile | 12.33% | 12.33% | 13.20% | 9.11% | ||
| Peer median | 13.49% | 13.49% | 14.59% | 10.52% | ||
| Peer 75th percentile | 16.28% | 16.28% | 17.10% | 11.43% | ||
| This bank's percentile | 33 | 33 | 33 | 67 |
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/2705895/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.