Midwest Heritage Bank, FSB: 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%.
The standout move of Q2 2026 was in Common stock surplus: 277.8% higher than in Q1 2026, at $27.2M. Within Iowa, Midwest Heritage Bank, FSB is 46th of 114 on CET1 ratio, 14.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Midwest Heritage Bank, FSB sits 0.51 points lower, at 14.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.81% |
| Tier 1 leverage ratio | 12.82% |
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 | $81.7M |
| Tier 1 capital | $81.7M |
| Total risk-based capital | $88.7M |
| Total equity capital | $92.9M |
| Risk-weighted assets | $561.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.10% |
| Tangible equity to tangible assets | 10.52% |
| Equity capital to average assets | 14.29% |
| Internal capital growth rate | 22.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $27.2M |
| Retained earnings | $65.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 14.37% | 14.37% | 15.21% | 11.96% | $360.9M |
| Q4 2023 | 14.25% | 14.25% | 15.24% | 12.27% | $374.1M |
| Q1 2024 | 14.94% | 14.94% | 15.92% | 11.94% | $375.7M |
| Q2 2024 | 14.58% | 14.58% | 15.55% | 12.04% | $381.0M |
| Q3 2024 | 14.61% | 14.61% | 15.57% | 12.30% | $390.3M |
| Q4 2024 | 14.75% | 14.75% | 15.69% | 12.33% | $404.4M |
| Q1 2025 | 16.09% | 16.09% | 17.09% | 12.53% | $392.0M |
| Q2 2025 | 16.95% | 16.95% | 17.99% | 13.27% | $385.4M |
| Q3 2025 | 16.46% | 16.46% | 17.45% | 13.64% | $407.5M |
| Q4 2025 | 16.54% | 16.54% | 17.50% | 14.08% | $417.2M |
| Q1 2026 | 17.48% | 17.48% | 18.48% | 14.10% | $401.2M |
| Q2 2026 | 14.55% | 14.55% | 15.81% | 12.82% | $561.1M |
Midwest Heritage Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Heritage Bank, FSB, 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 Heritage Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4432) · FFIEC NIC profile (RSSD 203043)