Midwest Bankcentre: 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 3.5% to $208.6M. Within Missouri, Midwest Bankcentre is 48th of 97 on CET1 ratio, 13.54% as of Q2 2026. At 13.54%, Midwest Bankcentre's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.54% |
| Tier 1 risk-based capital ratio | 13.54% |
| Total risk-based capital ratio | 14.79% |
| Tier 1 leverage ratio | 12.15% |
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 | $364.7M |
| Tier 1 capital | $364.7M |
| Total risk-based capital | $398.3M |
| Total equity capital | $380.0M |
| Risk-weighted assets | $2.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.38% |
| Tangible equity to tangible assets | 11.86% |
| Equity capital to average assets | 12.58% |
| Internal capital growth rate | 7.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.9M |
| Common stock surplus | $162.0M |
| Retained earnings | $208.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 11.15% | 11.15% | 12.28% | 10.20% | $2.47B |
| Q4 2023 | 11.39% | 11.39% | 12.58% | 10.22% | $2.45B |
| Q1 2024 | 11.59% | 11.59% | 12.84% | 10.45% | $2.45B |
| Q2 2024 | 11.82% | 11.82% | 13.07% | 10.50% | $2.44B |
| Q3 2024 | 12.41% | 12.41% | 13.66% | 10.91% | $2.45B |
| Q4 2024 | 12.13% | 12.13% | 13.38% | 11.17% | $2.53B |
| Q1 2025 | 12.42% | 12.42% | 13.67% | 11.04% | $2.51B |
| Q2 2025 | 12.39% | 12.39% | 13.64% | 11.21% | $2.61B |
| Q3 2025 | 12.72% | 12.72% | 13.97% | 11.13% | $2.60B |
| Q4 2025 | 13.30% | 13.30% | 14.52% | 11.74% | $2.64B |
| Q1 2026 | 13.65% | 13.65% | 14.90% | 11.91% | $2.62B |
| Q2 2026 | 13.54% | 13.54% | 14.79% | 12.15% | $2.69B |
Midwest Bankcentre regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Bankcentre, 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 Bankcentre profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1058) · FFIEC NIC profile (RSSD 657459)