First Midwest Bank of Dexter: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 10.97% +1.97 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $72.3M | 72,347 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $659.6M | 659,589 | RCOAA224 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.97 pp | $13.0M | 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 | 8,495 | 8,495 | 8,495 | 8,495 | 8,495 | 8,495 | RCOAP742 |
| Retained earnings | 63,852 | 61,520 | 58,553 | 56,190 | 53,722 | 51,126 | RCOAKW00 |
| Accumulated other comprehensive income | (2,499) | (2,630) | (2,116) | (2,429) | (2,724) | (3,056) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,848 | 67,385 | 64,932 | 62,256 | 59,493 | 56,565 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,499 | 2,630 | 2,116 | 2,429 | 2,724 | 3,056 | P859 - P840 |
| Common equity Tier 1 capital | 72,347 | 70,015 | 67,048 | 64,685 | 62,217 | 59,621 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 72,347 | 70,015 | 67,048 | 64,685 | 62,217 | 59,621 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 659,589 | 664,127 | 693,791 | 680,419 | 656,078 | 631,893 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 10.97% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.54% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.66% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.51% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.48% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.47% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 8.91% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.05% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.30% | 11.30% | 12.32% | 9.60% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.09% | 12.09% | 13.18% | 9.51% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Midwest Bank of Dexter (this bank) | CBLR | NA | NA | NA | 10.97% | |
| Milford Bank the | $652.0M | Risk-based | 14.36% | 14.36% | 15.51% | 9.94% |
| First National Bank of Gillette | $651.9M | CBLR | NA | NA | NA | 14.93% |
| Carver Federal Savings Bank | $651.5M | Risk-based | 9.25% | 9.25% | 10.28% | 7.74% |
| Citizens State Bank | $653.0M | Risk-based | 12.02% | 12.02% | 13.27% | 10.07% |
| Bankvista | $651.1M | Risk-based | 11.54% | 11.54% | 12.80% | 9.93% |
| Farmers & Merchants Bank of Colby | $650.8M | CBLR | NA | NA | NA | 11.23% |
| Stockmens Bank | $650.8M | Risk-based | 11.01% | 11.01% | 12.27% | 10.63% |
| Pacific Valley Bank | $653.3M | CBLR | NA | NA | NA | 12.60% |
| Northeast Georgia Bank | $650.6M | CBLR | NA | NA | NA | 13.41% |
| Midstates Bank, N.A. | $653.9M | Risk-based | 16.79% | 16.79% | 18.05% | 11.60% |
| Peer 25th percentile | 11.14% | 11.14% | 12.40% | 9.97% | ||
| Peer median | 11.78% | 11.78% | 13.03% | 10.93% | ||
| Peer 75th percentile | 13.77% | 13.77% | 14.95% | 12.35% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/770853/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.