Mid-Central National 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, Total risk-based capital ratio rose 0.96 percentage points in Q2 2026 to 25.94%, the biggest move on this page. Mid-Central National Bank ranks 17th of 161 Minnesota banks on CET1 ratio, in the upper half at 24.82% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Mid-Central National Bank reported 24.82% on CET1 ratio in Q2 2026, 9.75 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.82% |
| Tier 1 risk-based capital ratio | 24.82% |
| Total risk-based capital ratio | 25.94% |
| Tier 1 leverage ratio | 14.91% |
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 | $16.8M |
| Tier 1 capital | $16.8M |
| Total risk-based capital | $17.6M |
| Total equity capital | $21.3M |
| Risk-weighted assets | $67.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.18% |
| Tangible equity to tangible assets | 14.91% |
| Equity capital to average assets | 18.15% |
| Internal capital growth rate | 3.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $20.3M |
| Retained earnings | $871K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19K |
| 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 | 29.74% | 29.74% | 30.45% | 15.16% | $60.7M |
| Q4 2023 | 30.43% | 30.43% | 31.22% | 15.50% | $60.2M |
| Q1 2024 | 30.11% | 30.11% | 30.94% | 15.79% | $61.2M |
| Q2 2024 | 30.69% | 30.69% | 31.55% | 16.07% | $60.7M |
| Q3 2024 | 30.82% | 30.82% | 31.68% | 16.26% | $61.3M |
| Q4 2024 | 25.98% | 25.98% | 26.89% | 13.70% | $62.0M |
| Q1 2025 | 25.36% | 25.36% | 26.31% | 13.58% | $62.9M |
| Q2 2025 | 24.64% | 24.64% | 25.61% | 13.74% | $64.8M |
| Q3 2025 | 24.33% | 24.33% | 25.32% | 14.20% | $66.5M |
| Q4 2025 | 23.89% | 23.89% | 24.88% | 14.66% | $68.9M |
| Q1 2026 | 23.95% | 23.95% | 24.98% | 14.90% | $69.5M |
| Q2 2026 | 24.82% | 24.82% | 25.94% | 14.91% | $67.8M |
Mid-Central National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-Central National 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-Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30943) · FFIEC NIC profile (RSSD 773171)