Mountainone 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.
The biggest quarter-over-quarter change on this page was a small one: Common equity Tier 1 capital edged up 2.5% between Q1 2026 and Q2 2026, to $157.0M. Within Massachusetts, Mountainone Bank is 17th of 59 on CET1 ratio, 16.76% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Mountainone Bank sits 3.27 points higher, at 16.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.76% |
| Tier 1 risk-based capital ratio | 16.76% |
| Total risk-based capital ratio | 17.80% |
| Tier 1 leverage ratio | 14.75% |
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 | $157.0M |
| Tier 1 capital | $157.0M |
| Total risk-based capital | $166.8M |
| Total equity capital | $170.9M |
| Risk-weighted assets | $936.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.79% |
| Tangible equity to tangible assets | 14.20% |
| Equity capital to average assets | 15.75% |
| Internal capital growth rate | 8.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $7.8M |
| Retained earnings | $168.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 16.96% | 16.96% | 18.19% | 14.40% | $837.8M |
| Q4 2023 | 16.83% | 16.83% | 18.04% | 14.60% | $856.8M |
| Q1 2024 | 16.47% | 16.47% | 17.65% | 14.25% | $868.4M |
| Q2 2024 | 16.83% | 16.83% | 18.00% | 14.29% | $853.3M |
| Q3 2024 | 18.04% | 18.04% | 19.21% | 14.82% | $811.6M |
| Q4 2024 | 16.65% | 16.65% | 17.76% | 14.33% | $839.8M |
| Q1 2025 | 16.83% | 16.83% | 17.90% | 14.45% | $846.0M |
| Q2 2025 | 16.78% | 16.78% | 17.85% | 14.48% | $868.0M |
| Q3 2025 | 16.62% | 16.62% | 17.66% | 14.54% | $897.0M |
| Q4 2025 | 16.63% | 16.63% | 17.68% | 14.63% | $904.9M |
| Q1 2026 | 16.52% | 16.52% | 17.57% | 14.67% | $927.7M |
| Q2 2026 | 16.76% | 16.76% | 17.80% | 14.75% | $936.9M |
Mountainone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountainone 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 Mountainone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90253) · FFIEC NIC profile (RSSD 97804)