Mid-Missouri 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 4.9% in Q2 2026 to $53.5M, the biggest move on this page. Within Missouri, Mid-Missouri Bank is 41st of 98 on CET1 ratio, 14.89% as of Q2 2026, above the middle of the field. At 14.89%, Mid-Missouri Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.89% |
| Tier 1 risk-based capital ratio | 14.89% |
| Total risk-based capital ratio | 16.12% |
| Tier 1 leverage ratio | 10.80% |
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 | $101.2M |
| Tier 1 capital | $101.2M |
| Total risk-based capital | $109.5M |
| Total equity capital | $99.9M |
| Risk-weighted assets | $679.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.56% |
| Tangible equity to tangible assets | 10.54% |
| Equity capital to average assets | 10.67% |
| Internal capital growth rate | 10.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $47.7M |
| Retained earnings | $53.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 12.83% | 12.83% | 13.95% | 9.02% | $634.6M |
| Q4 2023 | 12.53% | 12.53% | 13.63% | 9.05% | $660.6M |
| Q1 2024 | 12.63% | 12.63% | 13.74% | 9.35% | $673.7M |
| Q2 2024 | 12.88% | 12.88% | 14.02% | 9.52% | $678.6M |
| Q3 2024 | 13.47% | 13.47% | 14.72% | 9.53% | $661.9M |
| Q4 2024 | 13.77% | 13.77% | 14.88% | 9.67% | $657.3M |
| Q1 2025 | 14.31% | 14.31% | 15.47% | 9.96% | $652.4M |
| Q2 2025 | 14.66% | 14.66% | 15.85% | 10.35% | $655.3M |
| Q3 2025 | 14.68% | 14.68% | 15.87% | 10.31% | $655.4M |
| Q4 2025 | 14.59% | 14.59% | 15.79% | 10.30% | $656.7M |
| Q1 2026 | 14.79% | 14.79% | 16.00% | 10.60% | $667.4M |
| Q2 2026 | 14.89% | 14.89% | 16.12% | 10.80% | $679.6M |
Mid-Missouri Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-Missouri 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-Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15584) · FFIEC NIC profile (RSSD 950141)