Midwest 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings dropped 22.4% in Q2 2026, from $41.3M to $32.1M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.40% |
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 | $118.2M |
| Tier 1 capital | $118.2M |
| Total risk-based capital | — |
| Total equity capital | $109.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.83% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 8.68% |
| Internal capital growth rate | 14.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $87.0M |
| Retained earnings | $32.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.7M |
| 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 | 12.26% | 12.26% | 13.51% | 9.86% | $830.2M |
| Q4 2023 | 11.39% | 11.39% | 12.60% | 9.56% | $899.2M |
| Q1 2024 | 11.47% | 11.47% | 12.70% | 9.39% | $881.5M |
| Q2 2024 | 11.32% | 11.32% | 12.56% | 9.35% | $905.8M |
| Q3 2024 | 11.52% | 11.52% | 12.77% | 9.37% | $908.5M |
| Q4 2024 | 10.93% | 10.93% | 12.14% | 9.45% | $975.7M |
| Q1 2025 | 11.09% | 11.09% | 12.34% | 9.16% | $960.7M |
| Q2 2025 | 10.97% | 10.97% | 12.22% | 9.21% | $993.0M |
| Q3 2025 | 10.99% | 10.99% | 12.24% | 9.16% | $1.02B |
| Q4 2025 | 11.06% | 11.06% | 12.31% | 9.31% | $1.04B |
| Q1 2026 | 11.41% | 11.41% | 12.66% | 9.12% | $1.00B |
| Q2 2026 | — | — | — | 9.40% | — |
Midwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13255) · FFIEC NIC profile (RSSD 669555)