First Bank Midwest: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.24% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.24% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.99% +6.49 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $171.1M | 171,087 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.32B | 1,317,204 | RCOAA223 |
| Recomputed ratio | 12.99% | numerator / denominator | |
| Filed ratio | 12.99% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.49 pp | $85.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.99% +4.99 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $171.1M | 171,087 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.32B | 1,317,204 | RCOAA223 |
| Recomputed ratio | 12.99% | numerator / denominator | |
| Filed ratio | 12.99% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.99 pp | $65.7M | capital that could be lost first |
Total risk-based capital ratio 14.24% +4.24 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $187.6M | 187,563 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.32B | 1,317,204 | RCOAA223 |
| Recomputed ratio | 14.24% | numerator / denominator | |
| Filed ratio | 14.24% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.24 pp | $55.8M | capital that could be lost first |
Tier 1 leverage ratio 10.90% +5.90 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $171.1M | 171,087 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.57B | 1,569,650 | RCOAA224 |
| Recomputed ratio | 10.90% | numerator / denominator | |
| Filed ratio | 10.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.90 pp | $92.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 95,405 | 95,405 | 95,405 | 94,923 | 94,923 | 94,924 | RCOAP742 |
| Retained earnings | 75,720 | 75,639 | 75,222 | 73,366 | 71,715 | 70,856 | RCOAKW00 |
| Accumulated other comprehensive income | (34,748) | (37,025) | (34,559) | (38,105) | (43,443) | (44,524) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 136,377 | 134,019 | 136,068 | 130,184 | 123,195 | 121,256 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 34,710 | 36,990 | 34,523 | 38,064 | 43,360 | 44,413 | P859 - P840 |
| Common equity Tier 1 capital | 171,087 | 171,009 | 170,591 | 168,248 | 166,555 | 165,669 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 171,087 | 171,009 | 170,591 | 168,248 | 166,555 | 165,669 | RCOA8274 |
| Tier 2 capital | 16,476 | 16,006 | 15,941 | 16,048 | 16,036 | 16,198 | RCOA5311 |
| Allowance includable in Tier 2 capital | 16,476 | 16,006 | 15,941 | 16,048 | 16,036 | 16,198 | RCOA5310 |
| Total capital | 187,563 | 187,015 | 186,532 | 184,296 | 182,591 | 181,867 | RCOA3792 |
| Total risk-weighted assets | 1,317,204 | 1,279,391 | 1,274,505 | 1,283,136 | 1,282,187 | 1,295,431 | RCOAA223 |
| Average total assets for the leverage ratio | 1,569,650 | 1,540,992 | 1,557,238 | 1,550,049 | 1,549,041 | 1,550,832 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $32.6M | $2.5M | 7.59% | 0.19% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $291.6M | $81.3M | 27.88% | 6.17% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.4M | $279K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $231.1M | $119.3M | 51.64% | 9.05% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $27.6M | $41.4M | 150.00% | 3.14% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $9.3M | $14.0M | 150.00% | 1.06% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $957.0M | $944.9M | 98.74% | 71.69% | RC-R Part II, item 4.d, 5.d |
| All other assets | $57.2M | $67.9M | 118.80% | 5.15% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $45.9M | $46.6M | 101.39% | 3.53% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.32B | ties to item 31 ($1.32B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.32B | RCONB704 |
| Less: excess allowance for credit losses | $930K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.32B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.99% | 12.99% | 14.24% | 10.90% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.37% | 13.37% | 14.62% | 11.10% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.38% | 13.38% | 14.64% | 10.95% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.11% | 13.11% | 14.36% | 10.85% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.99% | 12.99% | 14.24% | 10.75% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.79% | 12.79% | 14.04% | 10.68% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.98% | 12.98% | 14.23% | 10.75% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.10% | 13.10% | 14.35% | 10.73% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.96% | 12.96% | 14.21% | 10.65% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.89% | 12.89% | 14.14% | 10.67% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.85% | 12.85% | 14.10% | 10.64% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.48% | 12.48% | 13.73% | 10.71% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Bank Midwest (this bank) | Risk-based | 12.99% | 12.99% | 14.24% | 10.90% | |
| Moody National Bank | $1.54B | CBLR | NA | NA | NA | 15.87% |
| Bonvenu Bank, N.A. | $1.55B | Risk-based | 13.50% | 13.50% | 14.66% | 10.04% |
| Solera National Bank | $1.55B | CBLR | NA | NA | NA | 8.40% |
| Dieterich Bank | $1.55B | Risk-based | 10.14% | 10.14% | 11.39% | 8.42% |
| Main Street Bank Corp. | $1.55B | Risk-based | 11.63% | 11.63% | 12.80% | 9.25% |
| Security Federal Bank | $1.54B | Risk-based | 19.98% | 19.98% | 21.23% | 10.83% |
| Quill Bank | $1.56B | Risk-based | 16.51% | 16.51% | 17.79% | 14.42% |
| The Park Bank | $1.54B | Risk-based | 12.10% | 12.10% | 13.35% | 10.74% |
| The Citizens Bank of Philadelphia | $1.56B | Risk-based | 12.38% | 12.38% | 13.36% | 9.11% |
| Peer 25th percentile | 11.87% | 11.87% | 13.07% | 9.11% | ||
| Peer median | 12.38% | 12.38% | 13.36% | 10.04% | ||
| Peer 75th percentile | 15.01% | 15.01% | 16.23% | 10.83% | ||
| This bank's percentile | 57 | 57 | 57 | 78 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/419675/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.