Moultrie Bank & Trust: 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 standout move of Q2 2026 was in Retained earnings: 18.3% higher than in Q1 2026, at -$1.1M.
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 | 14.07% |
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 | $21.6M |
| Tier 1 capital | $21.6M |
| Total risk-based capital | — |
| Total equity capital | $21.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.37% |
| Tangible equity to tangible assets | 14.37% |
| Equity capital to average assets | 14.07% |
| Internal capital growth rate | 4.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $20.6M |
| Retained earnings | -$1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$39K |
| 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 | 23.21% | 25.59% | 25.59% |
| Q4 2023 | 25.81% | 23.01% | 23.01% |
| Q1 2024 | 22.09% | 20.99% | 20.99% |
| Q2 2024 | 20.18% | 18.54% | 18.54% |
| Q3 2024 | 18.65% | 18.93% | 18.93% |
| Q4 2024 | 17.31% | 14.78% | 14.78% |
| Q1 2025 | 16.46% | 14.84% | 14.84% |
| Q2 2025 | 14.58% | 13.65% | 13.65% |
| Q3 2025 | 13.26% | 13.18% | 13.18% |
| Q4 2025 | 13.12% | 12.08% | 12.08% |
| Q1 2026 | 13.36% | 13.54% | 13.54% |
| Q2 2026 | 14.07% | 14.37% | 14.37% |
Moultrie Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Moultrie Bank & Trust, 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 Moultrie Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59285) · FFIEC NIC profile (RSSD 5686324)