Morganton Savings Bank, S.S.B.: 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 dropped 1.15 percentage points in Q2 2026, from 25.85% to 24.70%. 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 | 25.43% |
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 | $28.5M |
| Tier 1 capital | $28.5M |
| Total risk-based capital | — |
| Total equity capital | $28.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 24.70% |
| Tangible equity to tangible assets | 24.70% |
| Equity capital to average assets | 25.24% |
| Internal capital growth rate | 1.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $28.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$206K |
| 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 | 23.68% | 22.34% | 22.34% |
| Q4 2023 | 24.49% | 23.17% | 23.17% |
| Q1 2024 | 24.47% | 24.21% | 24.21% |
| Q2 2024 | 26.45% | 24.92% | 24.92% |
| Q3 2024 | 27.08% | 27.02% | 27.02% |
| Q4 2024 | 26.91% | 26.54% | 26.54% |
| Q1 2025 | 27.28% | 26.87% | 26.87% |
| Q2 2025 | 27.25% | 26.14% | 26.14% |
| Q3 2025 | 27.04% | 26.51% | 26.51% |
| Q4 2025 | 26.51% | 26.19% | 26.19% |
| Q1 2026 | 26.18% | 25.85% | 25.85% |
| Q2 2026 | 25.43% | 24.70% | 24.70% |
Morganton Savings Bank, S.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Morganton Savings Bank, S.S.B., 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 Morganton Savings Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30434) · FFIEC NIC profile (RSSD 332671)