The Mint 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%.
Equity capital to average assets rose 0.70 percentage points from Q1 2026 to Q2 2026, ending at 18.35% against 17.65%. It was the largest change among the key lines on this page.
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 | 18.35% |
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 | $71.1M |
| Tier 1 capital | $71.1M |
| Total risk-based capital | — |
| Total equity capital | $71.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.29% |
| Tangible equity to tangible assets | 18.29% |
| Equity capital to average assets | 18.35% |
| Internal capital growth rate | 6.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.0M |
| Common stock surplus | $24.0M |
| Retained earnings | $41.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 14.59% | 13.75% | 13.75% |
| Q4 2023 | 14.14% | 14.34% | 14.34% |
| Q1 2024 | 14.24% | 13.88% | 13.88% |
| Q2 2024 | 14.31% | 14.23% | 14.23% |
| Q3 2024 | 14.74% | 14.72% | 14.72% |
| Q4 2024 | 14.93% | 14.22% | 14.22% |
| Q1 2025 | 14.70% | 15.12% | 15.12% |
| Q2 2025 | 16.16% | 16.19% | 16.19% |
| Q3 2025 | 16.68% | 16.52% | 16.52% |
| Q4 2025 | 17.08% | 17.12% | 17.12% |
| Q1 2026 | 17.65% | 17.83% | 17.83% |
| Q2 2026 | 18.35% | 18.29% | 18.29% |
The Mint National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mint 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 The Mint National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58764) · FFIEC NIC profile (RSSD 3821626)