Morton Community 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which fell 3.8% to $287.1M. Morton Community Bank ranks 130th of 198 Illinois banks on CET1 ratio, in the lower half at 13.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Morton Community Bank reported 13.59% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.59% |
| Tier 1 risk-based capital ratio | 13.59% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 10.62% |
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 | $567.2M |
| Tier 1 capital | $567.2M |
| Total risk-based capital | $609.0M |
| Total equity capital | $502.0M |
| Risk-weighted assets | $4.17B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.38% |
| Tangible equity to tangible assets | 8.07% |
| Equity capital to average assets | 9.27% |
| Internal capital growth rate | -8.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $354.9M |
| Retained earnings | $287.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$141.4M |
| 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 | 11.78% | 11.78% | 12.71% | 8.79% | $4.17B |
| Q4 2023 | 11.93% | 11.93% | 12.89% | 9.11% | $4.28B |
| Q1 2024 | 12.20% | 12.20% | 13.15% | 9.33% | $4.27B |
| Q2 2024 | 12.12% | 12.12% | 13.08% | 9.20% | $4.25B |
| Q3 2024 | 12.53% | 12.53% | 13.48% | 9.52% | $4.23B |
| Q4 2024 | 12.81% | 12.81% | 13.80% | 9.76% | $4.25B |
| Q1 2025 | 13.39% | 13.39% | 14.41% | 10.10% | $4.14B |
| Q2 2025 | 12.93% | 12.93% | 13.94% | 9.91% | $4.21B |
| Q3 2025 | 13.45% | 13.45% | 14.47% | 10.32% | $4.19B |
| Q4 2025 | 13.93% | 13.93% | 14.99% | 10.79% | $4.18B |
| Q1 2026 | 14.06% | 14.06% | 15.05% | 10.81% | $4.10B |
| Q2 2026 | 13.59% | 13.59% | 14.59% | 10.62% | $4.17B |
Morton Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Morton Community 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 Morton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18429) · FFIEC NIC profile (RSSD 825146)