Montezuma State 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 total assets climbed 0.87 percentage points in Q2 2026, from 13.88% to 14.75%. It was the largest change from Q1 2026 among the key lines here.
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 | 14.87% |
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 | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | — |
| Total equity capital | $8.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.75% |
| Tangible equity to tangible assets | 14.27% |
| Equity capital to average assets | 14.68% |
| Internal capital growth rate | 13.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $3.5M |
| Retained earnings | $4.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$363K |
| 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 | 12.00% | 10.79% | 10.30% |
| Q4 2023 | 12.87% | 12.79% | 12.28% |
| Q1 2024 | 12.71% | 11.41% | 10.93% |
| Q2 2024 | 13.20% | 12.60% | 12.10% |
| Q3 2024 | 13.27% | 12.83% | 12.33% |
| Q4 2024 | 13.97% | 13.64% | 13.13% |
| Q1 2025 | 13.89% | 13.38% | 12.88% |
| Q2 2025 | 14.31% | 13.80% | 13.31% |
| Q3 2025 | 14.63% | 14.37% | 13.88% |
| Q4 2025 | 14.47% | 14.78% | 14.29% |
| Q1 2026 | 14.34% | 13.88% | 13.41% |
| Q2 2026 | 14.87% | 14.75% | 14.27% |
Montezuma State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Montezuma State 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 Montezuma State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1860) · FFIEC NIC profile (RSSD 700140)