Mutual 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%.
Accumulated other comprehensive income rose 6.7% from Q1 2026 to Q2 2026, ending at -$10.1M against -$10.8M. It was the largest change among the key lines on this page. Within Indiana, Mutual Savings Bank is 25th of 50 on CET1 ratio, 13.05% as of Q2 2026, above the middle of the field. Mutual Savings Bank reported 13.05% on CET1 ratio for Q2 2026, 2.02 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.05% |
| Tier 1 risk-based capital ratio | 13.05% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 10.22% |
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 | $35.4M |
| Tier 1 capital | $35.4M |
| Total risk-based capital | $38.7M |
| Total equity capital | $25.2M |
| Risk-weighted assets | $271.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.14% |
| Tangible equity to tangible assets | 7.14% |
| Equity capital to average assets | 7.27% |
| Internal capital growth rate | 12.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.1M |
| Common stock surplus | $8.0M |
| Retained earnings | $19.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.1M |
| 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 | 12.36% | 12.36% | 13.36% | 10.02% | $256.0M |
| Q4 2023 | 12.31% | 12.31% | 13.30% | 9.93% | $259.6M |
| Q1 2024 | 12.58% | 12.58% | 13.66% | 9.63% | $254.3M |
| Q2 2024 | 12.20% | 12.20% | 13.25% | 9.85% | $263.9M |
| Q3 2024 | 11.85% | 11.85% | 12.84% | 9.79% | $273.5M |
| Q4 2024 | 12.06% | 12.06% | 13.07% | 9.98% | $272.0M |
| Q1 2025 | 12.36% | 12.36% | 13.45% | 9.95% | $266.3M |
| Q2 2025 | 12.36% | 12.36% | 13.45% | 9.98% | $269.7M |
| Q3 2025 | 12.89% | 12.89% | 14.04% | 9.63% | $260.1M |
| Q4 2025 | 12.26% | 12.26% | 13.39% | 10.03% | $279.0M |
| Q1 2026 | 13.05% | 13.05% | 14.30% | 10.01% | $265.9M |
| Q2 2026 | 13.05% | 13.05% | 14.27% | 10.22% | $271.5M |
Mutual Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual 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 Mutual Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27742) · FFIEC NIC profile (RSSD 841472)