Southern Michigan Bank & Trust: 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 Accumulated other comprehensive income: 10.5% higher than in Q1 2026, at -$10.3M.
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 | 9.04% |
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 | $152.5M |
| Tier 1 capital | $152.5M |
| Total risk-based capital | — |
| Total equity capital | $155.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.26% |
| Tangible equity to tangible assets | 8.53% |
| Equity capital to average assets | 9.15% |
| Internal capital growth rate | 7.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $85.6M |
| Retained earnings | $79.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.3M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.99% | 10.99% | 12.07% | 8.82% | $1.13B |
| Q4 2023 | 11.33% | 11.33% | 12.42% | 8.99% | $1.11B |
| Q1 2024 | 11.44% | 11.44% | 12.52% | 8.82% | $1.12B |
| Q2 2024 | 11.46% | 11.46% | 12.54% | 8.98% | $1.14B |
| Q3 2024 | 11.48% | 11.48% | 12.58% | 8.92% | $1.16B |
| Q4 2024 | 11.49% | 11.49% | 12.61% | 9.13% | $1.18B |
| Q1 2025 | 11.34% | 11.34% | 12.43% | 8.99% | $1.22B |
| Q2 2025 | 11.14% | 11.14% | 12.23% | 9.05% | $1.27B |
| Q3 2025 | 11.26% | 11.26% | 12.42% | 9.01% | $1.28B |
| Q4 2025 | 11.01% | 11.01% | 12.23% | 8.95% | $1.33B |
| Q1 2026 | 10.85% | 10.85% | 12.03% | 8.79% | $1.38B |
| Q2 2026 | — | — | — | 9.04% | — |
Southern Michigan Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Michigan Bank & Trust, 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 Southern Michigan Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5019) · FFIEC NIC profile (RSSD 822042)