Middletown Valley 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%.
Accumulated other comprehensive income dropped 29.2% in Q2 2026, from -$5.1M to -$6.6M. It was the largest change from Q1 2026 among the key lines here. Middletown Valley Bank has the 2nd lowest CET1 ratio of the 20 banks headquartered in Maryland, at 11.72% as of Q2 2026. Middletown Valley Bank reported 11.72% on CET1 ratio for Q2 2026, 1.76 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.72% |
| Tier 1 risk-based capital ratio | 11.72% |
| Total risk-based capital ratio | 12.89% |
| Tier 1 leverage ratio | 9.18% |
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 | $105.5M |
| Tier 1 capital | $105.5M |
| Total risk-based capital | $116.1M |
| Total equity capital | $100.6M |
| Risk-weighted assets | $900.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.43% |
| Tangible equity to tangible assets | 8.30% |
| Equity capital to average assets | 8.74% |
| Internal capital growth rate | -6.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $58.6M |
| Retained earnings | $48.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.6M |
| 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 | 12.15% | 12.15% | 13.21% | 9.34% | $758.4M |
| Q4 2023 | 12.02% | 12.02% | 13.10% | 9.10% | $769.5M |
| Q1 2024 | 11.98% | 11.98% | 13.07% | 8.84% | $785.5M |
| Q2 2024 | 11.98% | 11.98% | 13.07% | 8.69% | $796.5M |
| Q3 2024 | 12.27% | 12.27% | 13.36% | 8.90% | $797.3M |
| Q4 2024 | 12.12% | 12.12% | 13.23% | 9.06% | $794.4M |
| Q1 2025 | 12.11% | 12.11% | 13.23% | 9.47% | $809.5M |
| Q2 2025 | 12.28% | 12.28% | 13.41% | 9.29% | $817.0M |
| Q3 2025 | 12.15% | 12.15% | 13.36% | 9.32% | $843.8M |
| Q4 2025 | 11.96% | 11.96% | 13.14% | 9.48% | $876.0M |
| Q1 2026 | 12.01% | 12.01% | 13.16% | 9.47% | $892.0M |
| Q2 2026 | 11.72% | 11.72% | 12.89% | 9.18% | $900.6M |
Middletown Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Middletown Valley 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 Middletown Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14017) · FFIEC NIC profile (RSSD 41825)