The Millyard 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%.
Preferred stock and surplus dropped 100.0% in Q2 2026, from $4.8M to $0. It was the largest change from Q1 2026 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 | 9.70% |
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 | $31.3M |
| Tier 1 capital | $31.3M |
| Total risk-based capital | — |
| Total equity capital | $30.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.18% |
| Tangible equity to tangible assets | 9.18% |
| Equity capital to average assets | 9.52% |
| Internal capital growth rate | 7.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $31.9M |
| Common stock surplus | $0 |
| Retained earnings | -$690K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$656K |
| 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 | 16.26% | 16.26% | 17.32% | 11.41% | $145.5M |
| Q4 2023 | 15.03% | 15.03% | 16.05% | 10.43% | $157.2M |
| Q1 2024 | 14.62% | 16.97% | 18.02% | 11.93% | $160.9M |
| Q2 2024 | — | — | — | 12.12% | — |
| Q3 2024 | — | — | — | 11.89% | — |
| Q4 2024 | — | — | — | 12.23% | — |
| Q1 2025 | — | — | — | 11.45% | — |
| Q2 2025 | — | — | — | 11.19% | — |
| Q3 2025 | — | — | — | 10.22% | — |
| Q4 2025 | — | — | — | 10.10% | — |
| Q1 2026 | — | — | — | 10.00% | — |
| Q2 2026 | — | — | — | 9.70% | — |
The Millyard Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Millyard 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 The Millyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59176) · FFIEC NIC profile (RSSD 5448915)