Monroe Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 18.01% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 18.01% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 24.75% +18.25 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $15.9M | 15,919 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $64.3M | 64,310 | RCOAA223 |
| Recomputed ratio | 24.75% | numerator / denominator | |
| Filed ratio | 24.75% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +18.25 pp | $11.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 24.75% +16.75 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $15.9M | 15,919 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $64.3M | 64,310 | RCOAA223 |
| Recomputed ratio | 24.75% | numerator / denominator | |
| Filed ratio | 24.75% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +16.75 pp | $10.8M | capital that could be lost first |
Total risk-based capital ratio 26.01% +16.01 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $16.7M | 16,724 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $64.3M | 64,310 | RCOAA223 |
| Recomputed ratio | 26.01% | numerator / denominator | |
| Filed ratio | 26.01% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +16.01 pp | $10.3M | capital that could be lost first |
Tier 1 leverage ratio 14.02% +9.02 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $15.9M | 15,919 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $113.5M | 113,528 | RCOAA224 |
| Recomputed ratio | 14.02% | numerator / denominator | |
| Filed ratio | 14.02% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.02 pp | $10.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 15,919 | 15,727 | 15,531 | 15,338 | 15,163 | 15,028 | RCOAKW00 |
| Accumulated other comprehensive income | (103) | (96) | (66) | (86) | (116) | (130) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,816 | 15,631 | 15,465 | 15,252 | 15,047 | 14,898 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 103 | 96 | 66 | 86 | 116 | 130 | P859 - P840 |
| Common equity Tier 1 capital | 15,919 | 15,727 | 15,531 | 15,338 | 15,163 | 15,028 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 15,919 | 15,727 | 15,531 | 15,338 | 15,163 | 15,028 | RCOA8274 |
| Tier 2 capital | 805 | 795 | 817 | 826 | 833 | 834 | RCOA5311 |
| Allowance includable in Tier 2 capital | 805 | 795 | 817 | 826 | 833 | 834 | RCOA5310 |
| Total capital | 16,724 | 16,522 | 16,348 | 16,164 | 15,996 | 15,862 | RCOA3792 |
| Total risk-weighted assets | 64,310 | 63,470 | 65,274 | 65,972 | 66,481 | 66,649 | RCOAA223 |
| Average total assets for the leverage ratio | 113,528 | 113,046 | 111,937 | 110,729 | 110,713 | 109,661 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $18.6M | $2.2M | 11.60% | 3.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $6.8M | $979K | 14.36% | 1.52% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $56.9M | $29.3M | 51.56% | 45.55% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $30.2M | $30.1M | 99.50% | 46.70% | RC-R Part II, item 4.d, 5.d |
| All other assets | $2.4M | $1.8M | 76.43% | 2.87% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | $500 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $64.4M | ties to item 31 ($64.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $64.4M | RCONB704 |
| Less: excess allowance for credit losses | $76K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $64.3M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 24.75% | 24.75% | 26.01% | 14.02% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 24.78% | 24.78% | 26.03% | 13.91% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 23.79% | 23.79% | 25.05% | 13.87% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 23.25% | 23.25% | 24.50% | 13.85% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 22.81% | 22.81% | 24.06% | 13.70% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 22.55% | 22.55% | 23.80% | 13.70% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 22.39% | 22.39% | 23.64% | 13.48% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.93% | 21.93% | 23.18% | 13.02% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 21.69% | 21.69% | 22.94% | 13.29% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.70% | 21.70% | 22.95% | 13.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 21.41% | 21.41% | 22.66% | 13.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.33% | 21.33% | 22.58% | 13.45% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Monroe Savings Bank (this bank) | Risk-based | 24.75% | 24.75% | 26.01% | 14.02% | |
| Richland County Bank | $114.1M | CBLR | NA | NA | NA | 17.77% |
| Turtle Mountain State Bank | $114.1M | CBLR | NA | NA | NA | 12.85% |
| Farmers State Bank of Underwood | $113.8M | Risk-based | 11.53% | 11.53% | 12.78% | 8.62% |
| Great Nations Bank | $113.8M | CBLR | NA | NA | NA | 10.27% |
| Farmers and Mechanics Federal Savings Bank | $113.6M | Risk-based | 11.76% | 11.76% | 12.17% | 6.79% |
| Spring Valley Bank | $113.6M | CBLR | NA | NA | NA | 34.07% |
| Morganton Savings Bank, S.S.B. | $114.4M | CBLR | NA | NA | NA | 25.43% |
| Security State Bank of Aitkin | $114.5M | CBLR | NA | NA | NA | 10.79% |
| The First National Bank of Sparta | $114.6M | Risk-based | 25.89% | 25.89% | 26.98% | 12.64% |
| B2 Bank N.A. | $114.6M | CBLR | NA | NA | NA | 13.66% |
| Peer 25th percentile | 11.65% | 11.65% | 12.48% | 10.40% | ||
| Peer median | 11.76% | 11.76% | 12.78% | 12.75% | ||
| Peer 75th percentile | 18.82% | 18.82% | 19.88% | 16.74% | ||
| This bank's percentile | 67 | 67 | 67 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/927077/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.