The Miners 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%.
Retained earnings dropped 18.8% in Q2 2026, from $4.9M to $3.9M. 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 | 12.19% |
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 | $16.9M |
| Tier 1 capital | $16.9M |
| Total risk-based capital | — |
| Total equity capital | $15.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.50% |
| Tangible equity to tangible assets | 11.50% |
| Equity capital to average assets | 11.14% |
| Internal capital growth rate | 2.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $12.8M |
| Retained earnings | $3.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 11.64% | 9.17% | 9.17% |
| Q4 2023 | 11.44% | 9.99% | 9.99% |
| Q1 2024 | 11.36% | 9.90% | 9.90% |
| Q2 2024 | 11.41% | 9.88% | 9.88% |
| Q3 2024 | 10.99% | 9.97% | 9.97% |
| Q4 2024 | 11.14% | 9.89% | 9.89% |
| Q1 2025 | 11.43% | 10.02% | 10.02% |
| Q2 2025 | 11.32% | 10.30% | 10.30% |
| Q3 2025 | 11.35% | 10.66% | 10.66% |
| Q4 2025 | 11.53% | 10.89% | 10.89% |
| Q1 2026 | 11.78% | 10.89% | 10.89% |
| Q2 2026 | 12.19% | 11.50% | 11.50% |
The Miners State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Miners 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 The Miners State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10928) · FFIEC NIC profile (RSSD 255350)