Midwest Independent Bankersbank: 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%.
Total risk-based capital ratio rose 1.10 percentage points from Q1 2026 to Q2 2026, ending at 17.68% against 16.59%. It was the largest change among the key lines on this page. Within Missouri, Midwest Independent Bankersbank is 28th of 98 on CET1 ratio, 16.43% 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 Independent Bankersbank sits 1.36 points higher, at 16.43% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.43% |
| Tier 1 risk-based capital ratio | 16.43% |
| Total risk-based capital ratio | 17.68% |
| Tier 1 leverage ratio | 15.26% |
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 | $51.2M |
| Tier 1 capital | $51.2M |
| Total risk-based capital | $55.2M |
| Total equity capital | $50.9M |
| Risk-weighted assets | $312.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.92% |
| Tangible equity to tangible assets | 14.92% |
| Equity capital to average assets | 15.16% |
| Internal capital growth rate | 8.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $23.8M |
| Retained earnings | $26.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$318K |
| 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 | 17.13% | 17.13% | 18.39% | 14.24% | $257.0M |
| Q4 2023 | 16.60% | 16.60% | 17.85% | 13.99% | $258.9M |
| Q1 2024 | 16.15% | 16.15% | 17.41% | 13.61% | $272.1M |
| Q2 2024 | 16.24% | 16.24% | 17.50% | 14.29% | $276.0M |
| Q3 2024 | 15.82% | 15.82% | 17.08% | 14.66% | $289.7M |
| Q4 2024 | 14.74% | 14.74% | 16.00% | 13.56% | $302.7M |
| Q1 2025 | 14.09% | 14.09% | 15.34% | 13.88% | $326.4M |
| Q2 2025 | 14.51% | 14.51% | 15.76% | 13.92% | $327.6M |
| Q3 2025 | 14.87% | 14.87% | 16.12% | 14.33% | $330.7M |
| Q4 2025 | 14.92% | 14.92% | 16.17% | 14.11% | $327.4M |
| Q1 2026 | 15.33% | 15.33% | 16.59% | 14.75% | $327.2M |
| Q2 2026 | 16.43% | 16.43% | 17.68% | 15.26% | $312.0M |
Midwest Independent Bankersbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Independent Bankersbank, 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 Independent Bankersbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25849) · FFIEC NIC profile (RSSD 977250)