First State Bank of Middlebury: 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: 9.4% higher than in Q1 2026, at -$15.4M. First State Bank of Middlebury ranks 10th of 50 Indiana banks on CET1 ratio, in the upper half at 16.45% (Q2 2026). First State Bank of Middlebury reported 16.45% on CET1 ratio for Q2 2026, 1.38 points above 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 | 16.45% |
| Tier 1 risk-based capital ratio | 16.45% |
| Total risk-based capital ratio | 17.70% |
| Tier 1 leverage ratio | 13.37% |
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 | $112.4M |
| Tier 1 capital | $112.4M |
| Total risk-based capital | $121.0M |
| Total equity capital | $97.1M |
| Risk-weighted assets | $683.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.62% |
| Tangible equity to tangible assets | 11.61% |
| Equity capital to average assets | 11.55% |
| Internal capital growth rate | 10.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $10.5M |
| Retained earnings | $101.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.4M |
| 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 | 15.38% | 15.38% | 16.63% | 11.69% | $596.8M |
| Q4 2023 | 15.14% | 15.14% | 16.39% | 11.61% | $613.7M |
| Q1 2024 | 15.63% | 15.63% | 16.88% | 11.88% | $607.1M |
| Q2 2024 | 15.75% | 15.75% | 16.98% | 12.04% | $615.7M |
| Q3 2024 | 15.92% | 15.92% | 17.15% | 12.17% | $622.9M |
| Q4 2024 | 16.17% | 16.17% | 17.40% | 12.41% | $627.4M |
| Q1 2025 | 15.99% | 15.99% | 17.21% | 12.58% | $647.0M |
| Q2 2025 | 16.04% | 16.04% | 17.27% | 12.78% | $659.5M |
| Q3 2025 | 16.40% | 16.40% | 17.63% | 12.89% | $661.3M |
| Q4 2025 | 16.34% | 16.34% | 17.59% | 13.03% | $666.2M |
| Q1 2026 | 16.54% | 16.54% | 17.79% | 13.18% | $665.4M |
| Q2 2026 | 16.45% | 16.45% | 17.70% | 13.37% | $683.6M |
First State Bank of Middlebury regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Middlebury, 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 First State Bank of Middlebury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8745) · FFIEC NIC profile (RSSD 967046)