Mission 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 rose 2.9% from Q1 2026 to Q2 2026, ending at $7.1M against $6.9M. It was the largest change among the key lines on this page. Among 8 Arizona banks, Mission Bank sits 2nd from the top on CET1 ratio, 19.02% as of Q2 2026. Mission Bank reported 19.02% on CET1 ratio for Q2 2026, 3.95 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.02% |
| Tier 1 risk-based capital ratio | 19.02% |
| Total risk-based capital ratio | 19.97% |
| Tier 1 leverage ratio | 9.45% |
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 | $17.6M |
| Tier 1 capital | $17.6M |
| Total risk-based capital | $18.4M |
| Total equity capital | $13.0M |
| Risk-weighted assets | $92.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.03% |
| Tangible equity to tangible assets | 7.03% |
| Equity capital to average assets | 7.00% |
| Internal capital growth rate | 6.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.4M |
| Common stock surplus | $5.0M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | 14.12% | 14.12% | 14.97% | 7.11% | $97.3M |
| Q4 2023 | 14.42% | 14.42% | 15.26% | 7.29% | $97.6M |
| Q1 2024 | 14.60% | 14.60% | 15.44% | 7.36% | $97.4M |
| Q2 2024 | 14.79% | 14.79% | 15.64% | 7.53% | $96.5M |
| Q3 2024 | 16.53% | 16.53% | 17.42% | 8.69% | $98.2M |
| Q4 2024 | 16.71% | 16.71% | 17.62% | 8.81% | $98.2M |
| Q1 2025 | 16.54% | 16.54% | 17.43% | 8.76% | $99.8M |
| Q2 2025 | 17.54% | 17.54% | 18.47% | 8.62% | $94.6M |
| Q3 2025 | 17.74% | 17.74% | 18.66% | 8.66% | $94.6M |
| Q4 2025 | 19.00% | 19.00% | 19.97% | 9.01% | $90.3M |
| Q1 2026 | 19.06% | 19.06% | 20.02% | 9.39% | $91.2M |
| Q2 2026 | 19.02% | 19.02% | 19.97% | 9.45% | $92.4M |
Mission Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission 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 Mission Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57137) · FFIEC NIC profile (RSSD 2963275)