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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.9% to $29.4M. Within Illinois, Midwest Bank is 115th of 198 on CET1 ratio, 14.20% as of Q2 2026. Midwest Bank reported 14.20% on CET1 ratio for Q2 2026, 0.89 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.20% |
| Tier 1 risk-based capital ratio | 14.20% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 8.80% |
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 | $63.5M |
| Tier 1 capital | $63.5M |
| Total risk-based capital | $69.0M |
| Total equity capital | $61.1M |
| Risk-weighted assets | $447.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.30% |
| Tangible equity to tangible assets | 6.54% |
| Equity capital to average assets | 8.31% |
| Internal capital growth rate | 9.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $46.4M |
| Retained earnings | $29.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.2M |
| 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 | 15.00% | 15.00% | 16.08% | 8.86% | $405.6M |
| Q4 2023 | 14.91% | 14.91% | 15.98% | 9.13% | $412.1M |
| Q1 2024 | 14.79% | 14.79% | 15.88% | 9.27% | $419.8M |
| Q2 2024 | 14.59% | 14.59% | 15.67% | 9.27% | $429.3M |
| Q3 2024 | 15.17% | 15.17% | 16.33% | 9.26% | $415.9M |
| Q4 2024 | 14.82% | 14.82% | 15.92% | 9.37% | $429.3M |
| Q1 2025 | 13.28% | 13.28% | 14.39% | 8.49% | $436.8M |
| Q2 2025 | 13.41% | 13.41% | 14.54% | 8.56% | $438.5M |
| Q3 2025 | 13.77% | 13.77% | 14.93% | 8.49% | $435.5M |
| Q4 2025 | 13.60% | 13.60% | 14.75% | 8.60% | $447.0M |
| Q1 2026 | 14.16% | 14.16% | 15.37% | 8.76% | $438.5M |
| Q2 2026 | 14.20% | 14.20% | 15.43% | 8.80% | $447.1M |
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 3711) · FFIEC NIC profile (RSSD 709143)