Mutual Savings and Loan Association: 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 climbed 1.94 percentage points in Q2 2026, from 45.70% to 47.64%. It was the largest change from Q1 2026 among the key lines here. Mutual Savings and Loan Association has the highest CET1 ratio of the 46 banks headquartered in Louisiana, 98.90% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, Mutual Savings and Loan Association reported 98.90% on CET1 ratio in Q2 2026, 79.33 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 98.90% |
| Tier 1 risk-based capital ratio | 98.90% |
| Total risk-based capital ratio | 99.97% |
| Tier 1 leverage ratio | 47.17% |
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 | $17.1M |
| Tier 1 capital | $17.1M |
| Total risk-based capital | $17.3M |
| Total equity capital | $17.1M |
| Risk-weighted assets | $17.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 47.64% |
| Tangible equity to tangible assets | 47.64% |
| Equity capital to average assets | 47.17% |
| Internal capital growth rate | -1.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $3.5M |
| Retained earnings | $13.6M |
| 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 | 72.31% | 72.31% | 73.35% | 37.70% | $19.4M |
| Q4 2023 | 73.03% | 73.03% | 74.08% | 38.42% | $19.2M |
| Q1 2024 | 71.53% | 71.53% | 72.55% | 39.12% | $19.6M |
| Q2 2024 | 72.59% | 72.59% | 73.63% | 38.92% | $19.3M |
| Q3 2024 | 72.61% | 72.61% | 73.57% | 38.98% | $19.2M |
| Q4 2024 | 73.80% | 73.80% | 74.78% | 37.80% | $18.9M |
| Q1 2025 | 97.69% | 97.69% | 98.74% | 42.04% | $17.7M |
| Q2 2025 | 97.21% | 97.21% | 98.25% | 46.10% | $17.8M |
| Q3 2025 | 96.40% | 96.40% | 97.43% | 47.49% | $17.9M |
| Q4 2025 | 97.62% | 97.62% | 98.67% | 46.48% | $17.6M |
| Q1 2026 | 98.44% | 98.44% | 99.50% | 46.00% | $17.4M |
| Q2 2026 | 98.90% | 98.90% | 99.97% | 47.17% | $17.3M |
Mutual Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27716) · FFIEC NIC profile (RSSD 809070)