Mutualone 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 standout move of Q2 2026 was in Equity capital to total assets: 1.01 percentage points higher than in Q1 2026, at 21.12%.
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 | 21.09% |
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 | $262.5M |
| Tier 1 capital | $262.5M |
| Total risk-based capital | — |
| Total equity capital | $257.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 21.12% |
| Tangible equity to tangible assets | 21.12% |
| Equity capital to average assets | 20.66% |
| Internal capital growth rate | 7.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $262.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 18.39% | 17.77% | 17.77% |
| Q4 2023 | 18.55% | 18.35% | 18.35% |
| Q1 2024 | 19.32% | 18.77% | 18.77% |
| Q2 2024 | 19.76% | 19.62% | 19.62% |
| Q3 2024 | 20.49% | 20.36% | 20.36% |
| Q4 2024 | 20.69% | 20.15% | 20.15% |
| Q1 2025 | 20.66% | 20.39% | 20.39% |
| Q2 2025 | 20.04% | 20.05% | 20.05% |
| Q3 2025 | 21.01% | 20.41% | 20.41% |
| Q4 2025 | 20.80% | 20.12% | 20.12% |
| Q1 2026 | 20.58% | 20.10% | 20.10% |
| Q2 2026 | 21.09% | 21.12% | 21.12% |
Mutualone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutualone 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 Mutualone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26395) · FFIEC NIC profile (RSSD 154770)