Monroe Savings 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 biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 1.3% between Q1 2026 and Q2 2026, to $64.3M. Monroe Savings Bank ranks 7th of 37 New Jersey banks on CET1 ratio, in the upper half at 24.75% (Q2 2026). Monroe Savings Bank's CET1 ratio of 24.75% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.68 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.75% |
| Tier 1 risk-based capital ratio | 24.75% |
| Total risk-based capital ratio | 26.01% |
| Tier 1 leverage ratio | 14.02% |
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 | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | $16.7M |
| Total equity capital | $15.8M |
| Risk-weighted assets | $64.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.88% |
| Tangible equity to tangible assets | 13.88% |
| Equity capital to average assets | 13.93% |
| Internal capital growth rate | 4.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $15.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$103K |
| 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 | 21.33% | 21.33% | 22.58% | 13.45% | $68.2M |
| Q4 2023 | 21.41% | 21.41% | 22.66% | 13.43% | $68.4M |
| Q1 2024 | 21.70% | 21.70% | 22.95% | 13.49% | $67.8M |
| Q2 2024 | 21.69% | 21.69% | 22.94% | 13.29% | $68.2M |
| Q3 2024 | 21.93% | 21.93% | 23.18% | 13.02% | $67.7M |
| Q4 2024 | 22.39% | 22.39% | 23.64% | 13.48% | $66.7M |
| Q1 2025 | 22.55% | 22.55% | 23.80% | 13.70% | $66.6M |
| Q2 2025 | 22.81% | 22.81% | 24.06% | 13.70% | $66.5M |
| Q3 2025 | 23.25% | 23.25% | 24.50% | 13.85% | $66.0M |
| Q4 2025 | 23.79% | 23.79% | 25.05% | 13.87% | $65.3M |
| Q1 2026 | 24.78% | 24.78% | 26.03% | 13.91% | $63.5M |
| Q2 2026 | 24.75% | 24.75% | 26.01% | 14.02% | $64.3M |
Monroe Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe Savings 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 Monroe Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30103) · FFIEC NIC profile (RSSD 927077)