Midcountry 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: 10.3% lower than in Q1 2026, at -$9.6M. Midcountry Bank ranks 56th of 161 Minnesota banks on CET1 ratio, in the upper half at 15.98% (Q2 2026). Midcountry Bank reported 15.98% on CET1 ratio for Q2 2026, 2.50 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.98% |
| Tier 1 risk-based capital ratio | 15.98% |
| Total risk-based capital ratio | 17.23% |
| Tier 1 leverage ratio | 13.00% |
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 | $135.6M |
| Tier 1 capital | $135.6M |
| Total risk-based capital | $146.3M |
| Total equity capital | $133.4M |
| Risk-weighted assets | $848.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.46% |
| Tangible equity to tangible assets | 11.74% |
| Equity capital to average assets | 12.69% |
| Internal capital growth rate | -2.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2K |
| Common stock surplus | $119.0M |
| Retained earnings | $23.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.6M |
| 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 | 11.49% | 11.49% | 12.74% | 9.96% | $949.6M |
| Q4 2023 | 12.24% | 12.24% | 13.42% | 10.35% | $909.7M |
| Q1 2024 | 12.86% | 12.86% | 14.11% | 10.91% | $1.02B |
| Q2 2024 | 13.40% | 13.40% | 14.65% | 10.98% | $981.8M |
| Q3 2024 | 13.25% | 13.25% | 14.50% | 10.66% | $929.4M |
| Q4 2024 | 13.78% | 13.78% | 15.03% | 11.19% | $933.6M |
| Q1 2025 | 14.68% | 14.68% | 15.94% | 11.65% | $889.9M |
| Q2 2025 | 15.33% | 15.33% | 16.58% | 12.32% | $869.0M |
| Q3 2025 | 15.94% | 15.94% | 17.19% | 12.81% | $848.8M |
| Q4 2025 | 16.12% | 16.12% | 17.37% | 12.77% | $826.5M |
| Q1 2026 | 16.85% | 16.85% | 18.10% | 13.25% | $810.2M |
| Q2 2026 | 15.98% | 15.98% | 17.23% | 13.00% | $848.7M |
Midcountry Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midcountry 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 Midcountry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28865) · FFIEC NIC profile (RSSD 3971)