Mid-America 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%.
Compared with Q1 2026, Retained earnings rose 5.6% in Q2 2026 to $48.8M, the biggest move on this page. Mid-America Bank ranks 67th of 85 Kansas banks on CET1 ratio, in the lower half at 12.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Mid-America Bank sits 2.84 points lower, at 12.23% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.18% |
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 | $57.5M |
| Tier 1 capital | $57.5M |
| Total risk-based capital | $62.4M |
| Total equity capital | $58.0M |
| Risk-weighted assets | $470.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.12% |
| Tangible equity to tangible assets | 10.08% |
| Equity capital to average assets | 10.26% |
| Internal capital growth rate | 18.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $9.0M |
| Retained earnings | $48.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $247K |
| 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 | 12.86% | 12.86% | 14.11% | 9.99% | $314.7M |
| Q4 2023 | 12.89% | 12.89% | 14.14% | 10.02% | $319.7M |
| Q1 2024 | 12.87% | 12.87% | 14.12% | 10.18% | $330.6M |
| Q2 2024 | 13.14% | 13.14% | 14.40% | 10.48% | $336.2M |
| Q3 2024 | 13.15% | 13.15% | 14.40% | 10.48% | $344.5M |
| Q4 2024 | 13.06% | 13.06% | 14.31% | 10.01% | $360.5M |
| Q1 2025 | 13.10% | 13.10% | 14.34% | 10.38% | $371.9M |
| Q2 2025 | 12.63% | 12.63% | 13.80% | 10.34% | $399.8M |
| Q3 2025 | 12.39% | 12.39% | 13.54% | 9.77% | $413.3M |
| Q4 2025 | 12.25% | 12.25% | 13.36% | 10.08% | $432.3M |
| Q1 2026 | 12.22% | 12.22% | 13.29% | 9.68% | $449.3M |
| Q2 2026 | 12.23% | 12.23% | 13.27% | 10.18% | $470.3M |
Mid-America Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-America 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 Mid-America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17374) · FFIEC NIC profile (RSSD 919456)