The Murray 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%.
Equity capital to total assets rose 0.61 percentage points from Q1 2026 to Q2 2026, ending at 9.06% against 8.45%. 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 | 9.96% |
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 | $53.9M |
| Tier 1 capital | $53.9M |
| Total risk-based capital | — |
| Total equity capital | $48.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.06% |
| Tangible equity to tangible assets | 9.06% |
| Equity capital to average assets | 9.03% |
| Internal capital growth rate | 13.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $10.4M |
| Retained earnings | $43.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 13.51% | 13.51% | 14.76% | 8.81% | $305.6M |
| Q4 2023 | 13.68% | 13.68% | 14.93% | 8.88% | $310.2M |
| Q1 2024 | 13.54% | 13.54% | 14.79% | 8.96% | $318.1M |
| Q2 2024 | 12.80% | 12.80% | 14.05% | 8.78% | $340.8M |
| Q3 2024 | 12.45% | 12.45% | 13.71% | 8.69% | $357.3M |
| Q4 2024 | 12.71% | 12.71% | 13.97% | 8.65% | $357.0M |
| Q1 2025 | 12.52% | 12.52% | 13.77% | 8.89% | $373.1M |
| Q2 2025 | 12.79% | 12.79% | 14.05% | 9.03% | $377.8M |
| Q3 2025 | 12.53% | 12.53% | 13.78% | 9.08% | $396.7M |
| Q4 2025 | 12.88% | 12.88% | 14.13% | 9.14% | $390.5M |
| Q1 2026 | 13.02% | 13.02% | 14.27% | 9.56% | $402.5M |
| Q2 2026 | — | — | — | 9.96% | — |
The Murray Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Murray 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 The Murray Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35161) · FFIEC NIC profile (RSSD 2819242)