MT. McKinley Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 18.85% +9.85 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $124.0M | 123,956 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $657.5M | 657,489 | RCOAA224 |
| Recomputed ratio | 18.85% | numerator / denominator | |
| Filed ratio | 18.85% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +9.85 pp | $64.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 123,956 | 122,740 | 121,752 | 120,210 | 118,833 | 117,473 | RCOAKW00 |
| Accumulated other comprehensive income | (18,865) | (19,623) | (18,544) | (19,592) | (23,424) | (23,268) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 105,091 | 103,117 | 103,208 | 100,618 | 95,409 | 94,205 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 18,865 | 19,623 | 18,544 | 19,592 | 23,424 | 23,268 | P859 - P840 |
| Common equity Tier 1 capital | 123,956 | 122,740 | 121,752 | 120,210 | 118,833 | 117,473 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 123,956 | 122,740 | 121,752 | 120,210 | 118,833 | 117,473 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 657,489 | 658,333 | 661,699 | 658,515 | 649,020 | 655,584 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 18.85% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 18.64% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 18.40% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.25% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.31% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 17.92% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 17.51% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.16% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 16.96% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 16.76% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.98% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| MT. McKinley Bank (this bank) | CBLR | NA | NA | NA | 18.85% | |
| Legends Bank | $635.5M | CBLR | NA | NA | NA | 18.30% |
| Century Savings Bank | $634.8M | CBLR | NA | NA | NA | 13.20% |
| First National Bank Colorado | $634.3M | CBLR | NA | NA | NA | 11.76% |
| Community First Bank | $634.1M | CBLR | NA | NA | NA | 10.95% |
| The Bank of Marion | $634.1M | Risk-based | 18.18% | 18.18% | 19.22% | 11.37% |
| Haverhill Bank | $636.8M | Risk-based | 14.13% | 14.13% | 14.94% | 11.17% |
| American State Bank | $637.8M | Risk-based | 14.41% | 14.41% | 15.59% | 10.91% |
| Oneunited Bank | $637.9M | CBLR | NA | NA | NA | 10.43% |
| First Independent Bank | $632.3M | Risk-based | 12.26% | 12.26% | 13.49% | 9.87% |
| Delta Bank | $632.0M | CBLR | NA | NA | NA | 10.04% |
| Peer 25th percentile | 13.66% | 13.66% | 14.58% | 10.55% | ||
| Peer median | 14.27% | 14.27% | 15.26% | 11.06% | ||
| Peer 75th percentile | 15.35% | 15.35% | 16.49% | 11.66% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/542667/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.