Midstates Bank, N.A.: 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: 9.5% lower than in Q1 2026, at -$11.0M. Within Iowa, Midstates Bank, N.A. is 22nd of 114 on CET1 ratio, 16.79% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Midstates Bank, N.A. sits 1.72 points higher, at 16.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 18.05% |
| Tier 1 leverage ratio | 11.60% |
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 | $76.9M |
| Tier 1 capital | $76.9M |
| Total risk-based capital | $82.7M |
| Total equity capital | $66.3M |
| Risk-weighted assets | $458.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.14% |
| Tangible equity to tangible assets | 10.09% |
| Equity capital to average assets | 9.99% |
| Internal capital growth rate | 5.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $24.0M |
| Retained earnings | $52.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.0M |
| 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 | 14.38% | 14.38% | 15.64% | 9.53% | $432.5M |
| Q4 2023 | 14.38% | 14.38% | 15.63% | 9.69% | $445.9M |
| Q1 2024 | 14.63% | 14.63% | 15.89% | 9.65% | $445.5M |
| Q2 2024 | 15.14% | 15.14% | 16.40% | 10.07% | $437.0M |
| Q3 2024 | 15.31% | 15.31% | 16.57% | 10.33% | $440.4M |
| Q4 2024 | 15.56% | 15.56% | 16.82% | 10.34% | $440.5M |
| Q1 2025 | 15.90% | 15.90% | 17.16% | 10.65% | $439.5M |
| Q2 2025 | 16.30% | 16.30% | 17.56% | 10.88% | $436.7M |
| Q3 2025 | 16.44% | 16.44% | 17.70% | 11.44% | $442.4M |
| Q4 2025 | 16.56% | 16.56% | 17.82% | 11.64% | $452.4M |
| Q1 2026 | 16.57% | 16.57% | 17.83% | 11.80% | $457.4M |
| Q2 2026 | 16.79% | 16.79% | 18.05% | 11.60% | $458.0M |
Midstates Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midstates Bank, N.A., 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 Midstates Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4465) · FFIEC NIC profile (RSSD 728948)