Milledgeville State 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 10.4% higher than in Q1 2026, at -$2.3M. Within Illinois, Milledgeville State Bank is 124th of 198 on CET1 ratio, 13.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Milledgeville State Bank sits 1.31 points lower, at 13.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 10.48% |
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 | $22.5M |
| Tier 1 capital | $22.5M |
| Total risk-based capital | $24.3M |
| Total equity capital | $20.2M |
| Risk-weighted assets | $163.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 9.41% |
| Internal capital growth rate | 2.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.6M |
| Retained earnings | $20.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 17.26% | 17.26% | 18.51% | 11.72% | $117.5M |
| Q4 2023 | 15.67% | 15.67% | 16.78% | 12.01% | $132.9M |
| Q1 2024 | 15.40% | 15.40% | 16.51% | 11.54% | $132.9M |
| Q2 2024 | 16.05% | 16.05% | 17.18% | 11.73% | $130.1M |
| Q3 2024 | 15.21% | 15.21% | 16.25% | 11.74% | $139.7M |
| Q4 2024 | 15.52% | 15.52% | 16.34% | 11.55% | $138.1M |
| Q1 2025 | 15.39% | 15.39% | 16.20% | 11.30% | $137.9M |
| Q2 2025 | 15.04% | 15.04% | 15.87% | 11.40% | $143.5M |
| Q3 2025 | 14.47% | 14.47% | 15.08% | 11.15% | $151.9M |
| Q4 2025 | 14.24% | 14.24% | 14.93% | 10.87% | $158.5M |
| Q1 2026 | 13.98% | 13.98% | 14.75% | 10.55% | $160.3M |
| Q2 2026 | 13.76% | 13.76% | 14.86% | 10.48% | $163.8M |
Milledgeville State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Milledgeville State 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 Milledgeville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15873) · FFIEC NIC profile (RSSD 895448)