Savings Bank of Mendocino County: 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 Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.72 percentage points to 13.88%.
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 | 17.93% |
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 | $239.1M |
| Tier 1 capital | $239.1M |
| Total risk-based capital | — |
| Total equity capital | $185.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.42% |
| Tangible equity to tangible assets | 14.42% |
| Equity capital to average assets | 13.88% |
| Internal capital growth rate | 5.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $4.5M |
| Retained earnings | $231.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$53.9M |
| 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 | 15.78% | 10.22% | 10.22% |
| Q4 2023 | 16.18% | 12.02% | 12.02% |
| Q1 2024 | 16.26% | 11.61% | 11.61% |
| Q2 2024 | 16.32% | 11.62% | 11.62% |
| Q3 2024 | 16.50% | 12.76% | 12.76% |
| Q4 2024 | 16.47% | 11.88% | 11.88% |
| Q1 2025 | 16.62% | 12.21% | 12.21% |
| Q2 2025 | 16.80% | 12.20% | 12.20% |
| Q3 2025 | 16.72% | 12.99% | 12.99% |
| Q4 2025 | 16.78% | 13.58% | 13.58% |
| Q1 2026 | 17.43% | 13.83% | 13.83% |
| Q2 2026 | 17.93% | 14.42% | 14.42% |
Savings Bank of Mendocino County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Savings Bank of Mendocino County, 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 Savings Bank of Mendocino County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8011) · FFIEC NIC profile (RSSD 146663)