Midwest National 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%.
In Q2 2026, Risk-weighted assets edged up by 1.7%, from $84.1M to $85.5M, the largest move among the key lines here. Midwest National Bank ranks 166th of 198 Illinois banks on CET1 ratio, in the lower half at 11.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Midwest National Bank sits 3.70 points lower, at 11.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.38% |
| Tier 1 risk-based capital ratio | 11.38% |
| Total risk-based capital ratio | 12.63% |
| Tier 1 leverage ratio | 8.06% |
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 | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.8M |
| Total equity capital | $8.7M |
| Risk-weighted assets | $85.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.11% |
| Tangible equity to tangible assets | 7.11% |
| Equity capital to average assets | 7.23% |
| Internal capital growth rate | -1.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $200K |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 14.25% | 14.25% | 15.50% | 9.45% | $60.2M |
| Q4 2023 | 14.76% | 14.76% | 16.01% | 9.86% | $61.4M |
| Q1 2024 | 14.22% | 14.22% | 15.47% | 9.42% | $63.4M |
| Q2 2024 | 13.37% | 13.37% | 14.62% | 9.43% | $68.6M |
| Q3 2024 | 12.70% | 12.70% | 13.95% | 9.16% | $72.7M |
| Q4 2024 | 11.78% | 11.78% | 13.03% | 8.67% | $77.5M |
| Q1 2025 | 11.24% | 11.24% | 12.43% | 8.21% | $81.3M |
| Q2 2025 | 10.80% | 10.80% | 12.05% | 7.89% | $84.9M |
| Q3 2025 | 10.94% | 10.94% | 12.19% | 7.93% | $85.6M |
| Q4 2025 | 11.01% | 11.01% | 12.26% | 7.88% | $85.1M |
| Q1 2026 | 11.49% | 11.49% | 12.74% | 8.09% | $84.1M |
| Q2 2026 | 11.38% | 11.38% | 12.63% | 8.06% | $85.5M |
Midwest National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3834) · FFIEC NIC profile (RSSD 122546)