Mi 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.64 percentage points to 9.30%. Mi Bank has the 2nd lowest CET1 ratio of the 43 banks headquartered in Michigan, at 10.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Mi Bank sits 4.97 points lower, at 10.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.11% |
| Tier 1 risk-based capital ratio | 10.11% |
| Total risk-based capital ratio | 11.24% |
| Tier 1 leverage ratio | 9.14% |
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 | $22.6M |
| Tier 1 capital | $22.6M |
| Total risk-based capital | $25.1M |
| Total equity capital | $22.8M |
| Risk-weighted assets | $223.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.30% |
| Tangible equity to tangible assets | 9.27% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 9.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $25.4M |
| Retained earnings | -$2.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$667K |
| 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 | 11.09% | 11.09% | 12.26% | 8.82% | $173.8M |
| Q4 2023 | 11.47% | 11.47% | 12.64% | 9.10% | $181.6M |
| Q1 2024 | 11.15% | 11.15% | 12.31% | 9.62% | $191.1M |
| Q2 2024 | 10.71% | 10.71% | 11.84% | 9.16% | $202.0M |
| Q3 2024 | 10.42% | 10.42% | 11.52% | 8.58% | $213.1M |
| Q4 2024 | 9.90% | 9.90% | 11.03% | 8.66% | $223.0M |
| Q1 2025 | 10.61% | 10.61% | 11.87% | 8.03% | $209.2M |
| Q2 2025 | 9.31% | 9.31% | 10.57% | 8.16% | $222.7M |
| Q3 2025 | 9.52% | 9.52% | 10.78% | 7.75% | $219.3M |
| Q4 2025 | 9.72% | 9.72% | 10.85% | 7.96% | $216.4M |
| Q1 2026 | 10.36% | 10.36% | 11.55% | 8.49% | $211.0M |
| Q2 2026 | 10.11% | 10.11% | 11.24% | 9.14% | $223.2M |
Mi Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mi 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 Mi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59138) · FFIEC NIC profile (RSSD 5332603)