Millbury National 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%.
Compared with Q1 2026, Risk-weighted assets rose 5.2% in Q2 2026 to $101.6M, the biggest move on this page. Within Massachusetts, Millbury National Bank is 41st of 59 on CET1 ratio, 13.21% as of Q2 2026, below the middle of the field. Millbury National Bank reported 13.21% on CET1 ratio for Q2 2026, 1.86 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.21% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 13.81% |
| Tier 1 leverage ratio | 9.51% |
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 | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | $14.0M |
| Total equity capital | $13.4M |
| Risk-weighted assets | $101.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.14% |
| Tangible equity to tangible assets | 9.14% |
| Equity capital to average assets | 9.49% |
| Internal capital growth rate | 8.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $401K |
| Retained earnings | $12.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22K |
| 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 | 15.40% | 15.40% | 16.22% | 9.96% | $75.6M |
| Q4 2023 | 15.06% | 15.06% | 15.85% | 9.93% | $77.9M |
| Q1 2024 | 14.02% | 14.02% | 14.76% | 9.72% | $83.4M |
| Q2 2024 | 13.79% | 13.79% | 14.51% | 9.31% | $85.8M |
| Q3 2024 | 13.14% | 13.14% | 13.80% | 9.15% | $90.6M |
| Q4 2024 | 13.87% | 13.87% | 14.54% | 9.29% | $88.6M |
| Q1 2025 | 14.37% | 14.37% | 15.09% | 9.13% | $84.2M |
| Q2 2025 | 14.01% | 14.01% | 14.70% | 9.24% | $88.3M |
| Q3 2025 | 13.64% | 13.64% | 14.32% | 9.27% | $92.0M |
| Q4 2025 | 13.59% | 13.59% | 14.24% | 9.22% | $94.9M |
| Q1 2026 | 13.60% | 13.60% | 14.23% | 9.46% | $96.6M |
| Q2 2026 | 13.21% | 13.21% | 13.81% | 9.51% | $101.6M |
Millbury National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Millbury National 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 Millbury National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2616) · FFIEC NIC profile (RSSD 881900)