Minster 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.7% to -$11.2M. Within Ohio, Minster Bank is 28th of 84 on CET1 ratio, 16.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Minster Bank sits 1.02 points higher, at 16.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.22% |
| Tier 1 leverage ratio | 10.08% |
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 | $83.4M |
| Tier 1 capital | $83.4M |
| Total risk-based capital | $89.3M |
| Total equity capital | $72.2M |
| Risk-weighted assets | $518.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 8.73% |
| Internal capital growth rate | 20.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.9M |
| Common stock surplus | $5.1M |
| Retained earnings | $73.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.2M |
| 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 | 17.12% | 17.12% | 18.13% | 9.52% | $407.2M |
| Q4 2023 | 17.04% | 17.04% | 18.08% | 9.50% | $411.7M |
| Q1 2024 | 17.13% | 17.13% | 18.20% | 9.50% | $410.4M |
| Q2 2024 | 17.66% | 17.66% | 18.80% | 9.74% | $411.2M |
| Q3 2024 | 18.12% | 18.12% | 19.37% | 9.87% | $413.5M |
| Q4 2024 | 16.95% | 16.95% | 18.11% | 9.31% | $423.4M |
| Q1 2025 | 16.53% | 16.53% | 17.69% | 9.26% | $438.7M |
| Q2 2025 | 16.69% | 16.69% | 17.83% | 9.73% | $452.2M |
| Q3 2025 | 17.29% | 17.29% | 18.41% | 9.71% | $454.8M |
| Q4 2025 | 15.79% | 15.79% | 16.85% | 9.31% | $486.6M |
| Q1 2026 | 15.87% | 15.87% | 16.95% | 9.80% | $503.7M |
| Q2 2026 | 16.09% | 16.09% | 17.22% | 10.08% | $518.3M |
Minster Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Minster 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 Minster Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 763) · FFIEC NIC profile (RSSD 604024)