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.
Compared with Q1 2026, Equity capital to total assets fell 0.62 percentage points in Q2 2026 to 9.49%, the biggest move on this page.
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 | 9.84% |
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 | $93.5M |
| Tier 1 capital | $93.5M |
| Total risk-based capital | — |
| Total equity capital | $93.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 9.82% |
| Internal capital growth rate | 3.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $62.2M |
| Retained earnings | $31.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$310K |
| 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 | 12.18% | 12.18% | 13.05% | 10.29% | $591.0M |
| Q4 2023 | 11.87% | 11.87% | 12.71% | 10.15% | $616.5M |
| Q1 2024 | 12.24% | 12.24% | 13.09% | 10.35% | $621.8M |
| Q2 2024 | 11.61% | 11.61% | 12.43% | 10.19% | $661.5M |
| Q3 2024 | 11.66% | 11.66% | 12.49% | 10.23% | $685.0M |
| Q4 2024 | 11.96% | 11.96% | 12.82% | 10.32% | $680.9M |
| Q1 2025 | 11.82% | 11.82% | 12.65% | 10.57% | $713.4M |
| Q2 2025 | 11.07% | 11.07% | 11.89% | 10.26% | $753.3M |
| Q3 2025 | 11.19% | 11.19% | 12.03% | 10.35% | $772.3M |
| Q4 2025 | — | — | — | 10.25% | — |
| Q1 2026 | — | — | — | 10.36% | — |
| Q2 2026 | — | — | — | 9.84% | — |
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 9737) · FFIEC NIC profile (RSSD 806958)