Municipal Trust and Savings 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 climbed 11.2% in Q2 2026, from $23.5M to $26.1M. It was the largest change from Q1 2026 among the key lines here.
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 | 15.56% |
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 | $58.5M |
| Tier 1 capital | $58.5M |
| Total risk-based capital | — |
| Total equity capital | $58.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.32% |
| Tangible equity to tangible assets | 15.32% |
| Equity capital to average assets | 15.56% |
| Internal capital growth rate | 18.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.2M |
| Common stock surplus | $16.2M |
| Retained earnings | $26.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.37% | 15.43% | 15.43% |
| Q4 2023 | 16.01% | 15.67% | 15.67% |
| Q1 2024 | 16.13% | 15.93% | 15.93% |
| Q2 2024 | 16.53% | 16.57% | 16.57% |
| Q3 2024 | 15.70% | 15.79% | 15.79% |
| Q4 2024 | 16.15% | 16.25% | 16.25% |
| Q1 2025 | 16.98% | 16.77% | 16.77% |
| Q2 2025 | 15.95% | 15.88% | 15.88% |
| Q3 2025 | 16.93% | 16.93% | 16.93% |
| Q4 2025 | 14.87% | 14.96% | 14.96% |
| Q1 2026 | 15.40% | 15.40% | 15.40% |
| Q2 2026 | 15.56% | 15.32% | 15.32% |
Municipal Trust and Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Municipal Trust and Savings 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 Municipal Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23546) · FFIEC NIC profile (RSSD 460332)