Midwest Bankcentre: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.79% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.79% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.54% +7.04 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $364.7M | 364,680 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.69B | 2,693,302 | RCOAA223 |
| Recomputed ratio | 13.54% | numerator / denominator | |
| Filed ratio | 13.54% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.04 pp | $189.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.54% +5.54 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $364.7M | 364,680 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.69B | 2,693,302 | RCOAA223 |
| Recomputed ratio | 13.54% | numerator / denominator | |
| Filed ratio | 13.54% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.54 pp | $149.2M | capital that could be lost first |
Total risk-based capital ratio 14.79% +4.79 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $398.3M | 398,347 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.69B | 2,693,302 | RCOAA223 |
| Recomputed ratio | 14.79% | numerator / denominator | |
| Filed ratio | 14.79% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.79 pp | $129.0M | capital that could be lost first |
Tier 1 leverage ratio 12.15% +7.15 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $364.7M | 364,680 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.00B | 3,002,669 | RCOAA224 |
| Recomputed ratio | 12.15% | numerator / denominator | |
| Filed ratio | 12.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.15 pp | $214.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 174,842 | 174,842 | 174,842 | 161,842 | 161,842 | 154,842 | RCOAP742 |
| Retained earnings | 208,621 | 201,658 | 194,697 | 188,127 | 180,371 | 175,139 | RCOAKW00 |
| Accumulated other comprehensive income | (3,424) | (2,301) | (487) | (3,387) | (5,020) | (5,359) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 380,039 | 374,199 | 369,052 | 346,582 | 337,193 | 324,622 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (15,359) | (16,616) | (18,464) | (15,226) | (13,543) | (13,161) | P859 - P840 |
| Common equity Tier 1 capital | 364,680 | 357,583 | 350,588 | 331,356 | 323,650 | 311,461 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 364,680 | 357,583 | 350,588 | 331,356 | 323,650 | 311,461 | RCOA8274 |
| Tier 2 capital | 33,667 | 32,771 | 32,023 | 32,601 | 32,684 | 31,371 | RCOA5311 |
| Allowance includable in Tier 2 capital | 33,667 | 32,771 | 32,023 | 32,601 | 32,684 | 31,371 | RCOA5310 |
| Total capital | 398,347 | 390,354 | 382,611 | 363,957 | 356,334 | 342,832 | RCOA3792 |
| Total risk-weighted assets | 2,693,302 | 2,619,969 | 2,635,733 | 2,604,629 | 2,613,076 | 2,508,030 | RCOAA223 |
| Average total assets for the leverage ratio | 3,002,669 | 3,001,347 | 2,986,289 | 2,976,158 | 2,888,261 | 2,820,651 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $111.5M | $2.2M | 1.95% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $342.3M | $102.4M | 29.92% | 3.80% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $10.4M | $2.1M | 20.00% | 0.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $561.4M | $288.0M | 51.31% | 10.69% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $4.8M | $7.2M | 150.00% | 0.27% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $11.5M | $17.2M | 150.00% | 0.64% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.87B | $1.85B | 98.95% | 68.59% | RC-R Part II, item 4.d, 5.d |
| All other assets | $109.1M | $94.9M | 86.97% | 3.52% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $303.2M | $303.2M | 100.00% | 11.26% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $5.6M | $2.8M | 50.00% | 0.10% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $25.9M | NA | 0.96% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.67B | does not tie to item 31 ($2.67B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.69B | RCONB704 |
| Less: excess allowance for credit losses | $28K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.69B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.54% | 13.54% | 14.79% | 12.15% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.65% | 13.65% | 14.90% | 11.91% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.30% | 13.30% | 14.52% | 11.74% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.72% | 12.72% | 13.97% | 11.13% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.39% | 12.39% | 13.64% | 11.21% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.42% | 12.42% | 13.67% | 11.04% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.13% | 12.13% | 13.38% | 11.17% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.41% | 12.41% | 13.66% | 10.91% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.82% | 11.82% | 13.07% | 10.50% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.59% | 11.59% | 12.84% | 10.45% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.39% | 11.39% | 12.58% | 10.22% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.15% | 11.15% | 12.28% | 10.20% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Midwest Bankcentre (this bank) | Risk-based | 13.54% | 13.54% | 14.79% | 12.15% | |
| CB&S Bank, Inc. | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Guaranty Bank and Trust Company | $3.07B | CBLR | NA | NA | NA | 10.42% |
| Penn Community Bank | $3.07B | Risk-based | 16.17% | 16.17% | 17.19% | 12.68% |
| BankNewport | $3.07B | Risk-based | 12.70% | 12.70% | 13.62% | 10.58% |
| Lawrence Bank | $3.04B | Risk-based | 12.86% | 12.86% | 13.77% | 9.78% |
| The National Bank of Indianapolis | $3.04B | Risk-based | 11.42% | 11.42% | 12.47% | 9.29% |
| Mascoma Bank | $3.03B | Risk-based | 12.01% | 12.01% | 12.87% | 9.09% |
| Unibank for Savings | $3.11B | Risk-based | 14.02% | 14.02% | 15.27% | 8.83% |
| The Bank of Tampa | $3.02B | Risk-based | 14.52% | 14.52% | 15.77% | 10.97% |
| Peer 25th percentile | 12.35% | 12.35% | 13.24% | 9.29% | ||
| Peer median | 12.86% | 12.86% | 13.77% | 10.42% | ||
| Peer 75th percentile | 14.27% | 14.27% | 15.52% | 10.58% | ||
| This bank's percentile | 57 | 57 | 57 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/657459/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.