Citizens Bank of the Midwest: 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, Equity capital to total assets rose 0.31 percentage points in Q2 2026 to 5.96%, the biggest move on this page. Citizens Bank of the Midwest ranks 71st of 98 Missouri banks on CET1 ratio, in the lower half at 11.83% (Q2 2026). Citizens Bank of the Midwest reported 11.83% on CET1 ratio for Q2 2026, 3.24 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 8.39% |
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 | $21.0M |
| Tier 1 capital | $21.0M |
| Total risk-based capital | $23.1M |
| Total equity capital | $14.2M |
| Risk-weighted assets | $177.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.96% |
| Tangible equity to tangible assets | 5.96% |
| Equity capital to average assets | 5.67% |
| Internal capital growth rate | 3.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $62K |
| Common stock surplus | $1.7M |
| Retained earnings | $19.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | — | — | — | 8.80% | — |
| Q4 2023 | 12.20% | 12.20% | 13.45% | 8.49% | $151.2M |
| Q1 2024 | 11.61% | 11.61% | 12.86% | 8.28% | $159.7M |
| Q2 2024 | 12.58% | 12.58% | 13.83% | 8.52% | $146.7M |
| Q3 2024 | 11.83% | 11.83% | 13.08% | 8.65% | $158.8M |
| Q4 2024 | 12.11% | 12.11% | 13.36% | 8.68% | $158.3M |
| Q1 2025 | 11.95% | 11.95% | 13.20% | 8.72% | $163.3M |
| Q2 2025 | 11.50% | 11.50% | 12.69% | 8.34% | $173.5M |
| Q3 2025 | 12.02% | 12.02% | 13.25% | 8.29% | $169.3M |
| Q4 2025 | 11.90% | 11.90% | 13.09% | 8.60% | $174.9M |
| Q1 2026 | 12.01% | 12.01% | 13.21% | 8.11% | $173.7M |
| Q2 2026 | 11.83% | 11.83% | 13.03% | 8.39% | $177.4M |
Citizens Bank of the Midwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of the Midwest, 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 Citizens Bank of the Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16126) · FFIEC NIC profile (RSSD 44750)