Montgomery 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to total assets rose 0.28 percentage points in Q2 2026 to 11.17%, the biggest move on this page. Montgomery Bank ranks 79th of 97 Missouri banks on CET1 ratio, in the lower half at 11.35% (Q2 2026). Montgomery Bank reported 11.35% on CET1 ratio for Q2 2026, 2.15 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.35% |
| Tier 1 risk-based capital ratio | 11.35% |
| Total risk-based capital ratio | 12.40% |
| Tier 1 leverage ratio | 9.69% |
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 | $113.9M |
| Tier 1 capital | $113.9M |
| Total risk-based capital | $124.4M |
| Total equity capital | $132.3M |
| Risk-weighted assets | $1.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 9.73% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | -2.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $68.5M |
| Retained earnings | $63.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$380K |
| 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 | 10.43% | 10.43% | 11.37% | 7.23% | $922.5M |
| Q4 2023 | 10.27% | 10.27% | 11.20% | 7.43% | $946.2M |
| Q1 2024 | 10.25% | 10.25% | 11.18% | 8.15% | $960.8M |
| Q2 2024 | 10.14% | 10.14% | 11.09% | 8.52% | $974.1M |
| Q3 2024 | 10.29% | 10.29% | 11.26% | 8.67% | $966.2M |
| Q4 2024 | 10.30% | 10.30% | 11.29% | 8.91% | $986.1M |
| Q1 2025 | 10.62% | 10.62% | 11.61% | 9.15% | $979.2M |
| Q2 2025 | 10.56% | 10.56% | 11.56% | 9.18% | $998.6M |
| Q3 2025 | 10.51% | 10.51% | 11.51% | 9.30% | $1.02B |
| Q4 2025 | 10.81% | 10.81% | 11.84% | 9.49% | $1.03B |
| Q1 2026 | 11.53% | 11.53% | 12.60% | 9.64% | $989.4M |
| Q2 2026 | 11.35% | 11.35% | 12.40% | 9.69% | $1.00B |
Montgomery Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Montgomery 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 Montgomery Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8255) · FFIEC NIC profile (RSSD 613558)