Mutual Federal 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 Equity capital to total assets, which rose 0.40 percentage points to 16.52%. Within Illinois, Mutual Federal Bank is 22nd of 198 on CET1 ratio, 24.54% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Mutual Federal Bank sits 4.98 points higher, at 24.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.54% |
| Tier 1 risk-based capital ratio | 24.54% |
| Total risk-based capital ratio | 25.80% |
| Tier 1 leverage ratio | 16.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | $16.8M |
| Total equity capital | $15.9M |
| Risk-weighted assets | $64.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.52% |
| Tangible equity to tangible assets | 16.52% |
| Equity capital to average assets | 16.34% |
| Internal capital growth rate | 3.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $5.6M |
| Retained earnings | $10.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.27% | 21.27% | 22.53% | 14.24% | $70.9M |
| Q4 2023 | 22.49% | 22.49% | 23.75% | 15.07% | $67.9M |
| Q1 2024 | 22.99% | 22.99% | 24.25% | 15.41% | $66.8M |
| Q2 2024 | 24.06% | 24.06% | 25.32% | 15.95% | $64.3M |
| Q3 2024 | 24.15% | 24.15% | 25.41% | 16.60% | $63.8M |
| Q4 2024 | 23.16% | 23.16% | 24.42% | 16.46% | $64.9M |
| Q1 2025 | 22.99% | 22.99% | 24.25% | 15.59% | $66.1M |
| Q2 2025 | 23.33% | 23.33% | 24.59% | 15.61% | $65.8M |
| Q3 2025 | 23.82% | 23.82% | 25.07% | 16.19% | $65.1M |
| Q4 2025 | 23.19% | 23.19% | 24.45% | 16.37% | $67.5M |
| Q1 2026 | 23.88% | 23.88% | 25.13% | 16.35% | $66.1M |
| Q2 2026 | 24.54% | 24.54% | 25.80% | 16.34% | $64.9M |
Mutual Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Federal 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 Mutual Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28302) · FFIEC NIC profile (RSSD 235174)