Metz Banking Company: 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%.
In Q2 2026, Total equity capital edged up by 1.9%, from $12.6M to $12.9M, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.60% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $13.5M |
| Tier 1 capital | $13.5M |
| Total risk-based capital | — |
| Total equity capital | $12.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.96% |
| Tangible equity to tangible assets | 10.96% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | 7.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $250K |
| Retained earnings | $13.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$611K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.80% | 9.43% | 9.43% |
| Q4 2023 | 11.44% | 9.76% | 9.76% |
| Q1 2024 | 11.69% | 10.06% | 10.06% |
| Q2 2024 | 12.02% | 10.26% | 10.26% |
| Q3 2024 | 12.01% | 10.57% | 10.57% |
| Q4 2024 | 11.48% | 10.15% | 10.15% |
| Q1 2025 | 11.55% | 10.62% | 10.62% |
| Q2 2025 | 11.54% | 10.44% | 10.44% |
| Q3 2025 | 11.51% | 10.92% | 10.92% |
| Q4 2025 | 11.42% | 11.15% | 11.15% |
| Q1 2026 | 11.45% | 10.88% | 10.88% |
| Q2 2026 | 11.60% | 10.96% | 10.96% |
Metz Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Metz Banking Company, 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 Metz Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1945) · FFIEC NIC profile (RSSD 772754)