US Metro 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%.
Compared with Q1 2026, Risk-weighted assets rose 5.2% in Q2 2026 to $1.34B, the biggest move on this page. US Metro Bank ranks 63rd of 74 California banks on CET1 ratio, in the lower half at 12.35% (Q2 2026). US Metro Bank reported 12.35% on CET1 ratio for Q2 2026, 1.13 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.35% |
| Tier 1 risk-based capital ratio | 12.35% |
| Total risk-based capital ratio | 13.60% |
| Tier 1 leverage ratio | 10.42% |
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 | $165.5M |
| Tier 1 capital | $165.5M |
| Total risk-based capital | $182.3M |
| Total equity capital | $161.4M |
| Risk-weighted assets | $1.34B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.84% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | 6.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75.6M |
| Common stock surplus | $23.5M |
| Retained earnings | $67.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.63% | 13.63% | 14.88% | 10.44% | $908.3M |
| Q4 2023 | 12.98% | 12.98% | 14.24% | 10.30% | $966.0M |
| Q1 2024 | 12.37% | 12.37% | 13.62% | 10.03% | $1.03B |
| Q2 2024 | 11.97% | 11.97% | 13.22% | 9.82% | $1.07B |
| Q3 2024 | 12.07% | 12.07% | 13.32% | 9.57% | $1.07B |
| Q4 2024 | 11.61% | 11.61% | 12.86% | 9.37% | $1.13B |
| Q1 2025 | 11.57% | 11.57% | 12.82% | 9.61% | $1.15B |
| Q2 2025 | 11.96% | 11.96% | 13.21% | 9.81% | $1.18B |
| Q3 2025 | 11.90% | 11.90% | 13.16% | 9.47% | $1.20B |
| Q4 2025 | 12.85% | 12.85% | 14.10% | 10.22% | $1.25B |
| Q1 2026 | 12.80% | 12.80% | 14.05% | 10.61% | $1.27B |
| Q2 2026 | 12.35% | 12.35% | 13.60% | 10.42% | $1.34B |
US Metro Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock US Metro 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 US Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58310) · FFIEC NIC profile (RSSD 3470154)