Mound City 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%.
Retained earnings rose 4.2% from Q1 2026 to Q2 2026, ending at $58.0M against $55.7M. It was the largest change among the key lines on this page. Within Wisconsin, Mound City Bank is 19th of 85 on CET1 ratio, 16.72% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Mound City Bank sits 1.65 points higher, at 16.72% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.72% |
| Tier 1 risk-based capital ratio | 16.72% |
| Total risk-based capital ratio | 17.97% |
| Tier 1 leverage ratio | 13.07% |
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 | $72.0M |
| Tier 1 capital | $72.0M |
| Total risk-based capital | $77.4M |
| Total equity capital | $69.1M |
| Risk-weighted assets | $430.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.55% |
| Tangible equity to tangible assets | 12.55% |
| Equity capital to average assets | 12.54% |
| Internal capital growth rate | 13.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $360K |
| Common stock surplus | $13.6M |
| Retained earnings | $58.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 15.99% | 15.99% | 17.24% | 12.54% | $362.2M |
| Q4 2023 | 15.81% | 15.81% | 17.06% | 12.55% | $369.6M |
| Q1 2024 | 15.98% | 15.98% | 17.23% | 12.19% | $370.9M |
| Q2 2024 | 15.89% | 15.89% | 17.14% | 12.19% | $377.7M |
| Q3 2024 | 15.64% | 15.64% | 16.89% | 12.21% | $390.7M |
| Q4 2024 | 15.84% | 15.84% | 17.09% | 12.30% | $390.2M |
| Q1 2025 | 16.20% | 16.20% | 17.45% | 12.56% | $390.2M |
| Q2 2025 | 16.31% | 16.31% | 17.56% | 12.69% | $395.8M |
| Q3 2025 | 16.30% | 16.30% | 17.55% | 12.78% | $407.1M |
| Q4 2025 | 16.28% | 16.28% | 17.53% | 12.86% | $416.1M |
| Q1 2026 | 16.77% | 16.77% | 18.02% | 12.70% | $415.5M |
| Q2 2026 | 16.72% | 16.72% | 17.97% | 13.07% | $430.6M |
Mound City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mound City 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 Mound City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9037) · FFIEC NIC profile (RSSD 259442)