Saint Martin National 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 Q2 2026 and Q3 2026 was in Equity capital to total assets, which rose 0.56 percentage points to 15.16%.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.89% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $4.7M |
| Tier 1 capital | $4.7M |
| Total risk-based capital | — |
| Total equity capital | $4.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 15.16% |
| Tangible equity to tangible assets | 15.16% |
| Equity capital to average assets | 14.46% |
| Internal capital growth rate | 18.28% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $50K |
| Retained earnings | $4.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$423K |
| 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 |
|---|---|---|---|
| Q4 2023 | 12.63% | 10.23% | 10.23% |
| Q1 2024 | 13.37% | 10.95% | 10.95% |
| Q2 2024 | 13.63% | 11.02% | 11.02% |
| Q3 2024 | 14.07% | 12.80% | 12.80% |
| Q4 2024 | 13.97% | 12.75% | 12.75% |
| Q1 2025 | 14.04% | 12.27% | 12.27% |
| Q2 2025 | 14.66% | 13.82% | 13.82% |
| Q3 2025 | 14.76% | 14.41% | 14.41% |
| Q4 2025 | 14.43% | 14.57% | 14.57% |
| Q1 2026 | 15.30% | 14.39% | 14.39% |
| Q2 2026 | 15.51% | 14.60% | 14.60% |
| Q3 2026 | 15.89% | 15.16% | 15.16% |
Saint Martin National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Martin National 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 Saint Martin National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18937) · FFIEC NIC profile (RSSD 856159)