Plante Moran Trust, N.A.: 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 Common equity Tier 1 ratio: 1607.46 percentage points higher than in Q1 2026, at 19186.81%. Plante Moran Trust, N.A.'s CET1 ratio of 19186.81% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 19167.25 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19186.81% |
| Tier 1 risk-based capital ratio | 19186.81% |
| Total risk-based capital ratio | 19186.81% |
| Tier 1 leverage ratio | 86.90% |
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 | $17.5M |
| Tier 1 capital | $17.5M |
| Total risk-based capital | $17.5M |
| Total equity capital | $17.4M |
| Risk-weighted assets | $91K |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 89.29% |
| Tangible equity to tangible assets | 89.29% |
| Equity capital to average assets | 86.85% |
| Internal capital growth rate | 31.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $3.7M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10K |
| 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 | 942.68% | 942.68% | 942.68% | 82.28% | $1.5M |
| Q4 2023 | 4124.70% | 4124.70% | 4124.70% | 79.67% | $328K |
| Q1 2024 | 2980.84% | 2980.84% | 2980.84% | 83.18% | $475K |
| Q2 2024 | 8472.57% | 8472.57% | 8472.57% | 86.36% | $175K |
| Q3 2024 | 6366.67% | 6366.67% | 6366.67% | 82.73% | $243K |
| Q4 2024 | 13681.13% | 13681.13% | 13681.13% | 78.39% | $106K |
| Q1 2025 | 16243.75% | 16243.75% | 16243.75% | 82.84% | $96K |
| Q2 2025 | 17057.14% | 17057.14% | 17057.14% | 87.24% | $98K |
| Q3 2025 | 16372.48% | 16372.48% | 16372.48% | 84.85% | $109K |
| Q4 2025 | 15956.84% | 15956.84% | 15956.84% | 75.52% | $95K |
| Q1 2026 | 17579.35% | 17579.35% | 17579.35% | 80.24% | $92K |
| Q2 2026 | 19186.81% | 19186.81% | 19186.81% | 86.90% | $91K |
Plante Moran Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Plante Moran Trust, N.A., 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 Plante Moran Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5591633)