Midamerica 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.6% lower than in Q1 2026, at -$5.3M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.86% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $65.4M |
| Tier 1 capital | $65.4M |
| Total risk-based capital | — |
| Total equity capital | $66.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.72% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.94% |
| Internal capital growth rate | 4.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $20.1M |
| Retained earnings | $50.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.55% | 9.24% | 8.19% |
| Q4 2023 | 9.65% | 9.74% | 8.71% |
| Q1 2024 | 9.79% | 9.75% | 8.74% |
| Q2 2024 | 9.58% | 9.40% | 8.43% |
| Q3 2024 | 9.68% | 9.97% | 9.00% |
| Q4 2024 | 9.87% | 9.83% | 8.86% |
| Q1 2025 | 10.22% | 10.29% | 9.33% |
| Q2 2025 | 10.34% | 10.04% | 9.11% |
| Q3 2025 | 10.09% | 10.26% | 9.35% |
| Q4 2025 | 9.80% | 10.34% | 9.41% |
| Q1 2026 | 9.90% | 10.06% | 9.16% |
| Q2 2026 | 9.86% | 9.72% | 8.85% |
Midamerica National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midamerica 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 Midamerica National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3612) · FFIEC NIC profile (RSSD 510938)