Midland States 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%.
Retained earnings climbed 14.3% in Q2 2026, from -$41.3M to -$35.4M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Midland States Bank is 129th of 198 on CET1 ratio, 13.59% as of Q2 2026, below the middle of the field. At 13.59%, Midland States Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.59% |
| Tier 1 risk-based capital ratio | 13.59% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 10.08% |
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 | $665.3M |
| Tier 1 capital | $665.3M |
| Total risk-based capital | $726.6M |
| Total equity capital | $612.8M |
| Risk-weighted assets | $4.90B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.16% |
| Tangible equity to tangible assets | 8.94% |
| Equity capital to average assets | 9.26% |
| Internal capital growth rate | 3.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $715.8M |
| Retained earnings | -$35.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$67.9M |
| 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 | 11.21% | 11.21% | 12.13% | 10.21% | $7.14B |
| Q4 2023 | 11.44% | 11.44% | 12.40% | 10.18% | $6.98B |
| Q1 2024 | 11.62% | 11.62% | 12.77% | 10.33% | $6.85B |
| Q2 2024 | 11.06% | 11.06% | 12.33% | 9.62% | $6.72B |
| Q3 2024 | 11.46% | 11.46% | 12.72% | 9.85% | $6.57B |
| Q4 2024 | 11.18% | 11.18% | 12.43% | 9.38% | $6.37B |
| Q1 2025 | 11.57% | 11.57% | 12.83% | 9.45% | $6.17B |
| Q2 2025 | 12.49% | 12.49% | 13.74% | 9.92% | $5.74B |
| Q3 2025 | 12.08% | 12.08% | 13.34% | 9.57% | $5.53B |
| Q4 2025 | 13.05% | 13.05% | 14.30% | 9.65% | $5.03B |
| Q1 2026 | 13.17% | 13.17% | 14.42% | 10.10% | $5.00B |
| Q2 2026 | 13.59% | 13.59% | 14.84% | 10.08% | $4.90B |
Midland States Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland States 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 Midland States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1040) · FFIEC NIC profile (RSSD 773247)