Muenster State 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 Total equity capital, which rose 5.2% to $27.6M.
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 | 14.78% |
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 | $34.0M |
| Tier 1 capital | $34.0M |
| Total risk-based capital | — |
| Total equity capital | $27.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.17% |
| Tangible equity to tangible assets | 12.17% |
| Equity capital to average assets | 11.99% |
| Internal capital growth rate | 20.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $5.0M |
| Retained earnings | $29.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.37% | 8.44% | 8.44% |
| Q4 2023 | 13.37% | 9.03% | 9.03% |
| Q1 2024 | 13.78% | 9.41% | 9.41% |
| Q2 2024 | 14.26% | 10.25% | 10.25% |
| Q3 2024 | 14.99% | 11.85% | 11.85% |
| Q4 2024 | 13.78% | 9.29% | 9.29% |
| Q1 2025 | 13.86% | 10.72% | 10.72% |
| Q2 2025 | 14.62% | 11.31% | 11.31% |
| Q3 2025 | 14.80% | 12.20% | 12.20% |
| Q4 2025 | 13.80% | 11.46% | 11.46% |
| Q1 2026 | 14.37% | 11.88% | 11.88% |
| Q2 2026 | 14.78% | 12.17% | 12.17% |
Muenster State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Muenster State 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 Muenster State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15523) · FFIEC NIC profile (RSSD 765662)