Murphy 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.
Equity capital to total assets rose 0.36 percentage points from Q1 2026 to Q2 2026, ending at 14.91% against 14.55%. It was the largest change among the key lines on this page.
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 | 14.89% |
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 | $53.3M |
| Tier 1 capital | $53.3M |
| Total risk-based capital | — |
| Total equity capital | $53.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.91% |
| Tangible equity to tangible assets | 14.91% |
| Equity capital to average assets | 14.89% |
| Internal capital growth rate | 6.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $3.9M |
| Retained earnings | $48.3M |
| 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 | 12.64% | 12.64% | 12.64% |
| Q4 2023 | 12.99% | 13.10% | 13.10% |
| Q1 2024 | 13.19% | 13.14% | 13.14% |
| Q2 2024 | 13.43% | 13.57% | 13.57% |
| Q3 2024 | 13.78% | 13.75% | 13.75% |
| Q4 2024 | 13.99% | 14.23% | 14.23% |
| Q1 2025 | 14.50% | 14.59% | 14.59% |
| Q2 2025 | 14.56% | 14.47% | 14.47% |
| Q3 2025 | 14.81% | 14.69% | 14.69% |
| Q4 2025 | 14.81% | 14.67% | 14.67% |
| Q1 2026 | 14.59% | 14.55% | 14.55% |
| Q2 2026 | 14.89% | 14.91% | 14.91% |
Murphy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Murphy 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 Murphy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25726) · FFIEC NIC profile (RSSD 855563)