Midwest Regional 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%.
The standout move of Q2 2026 was in Retained earnings: 22.9% lower than in Q1 2026, at $41.0M. Midwest Regional Bank ranks 79th of 98 Missouri banks on CET1 ratio, in the lower half at 11.40% (Q2 2026). Midwest Regional Bank reported 11.40% on CET1 ratio for Q2 2026, 3.67 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.40% |
| Tier 1 risk-based capital ratio | 11.40% |
| Total risk-based capital ratio | 12.67% |
| Tier 1 leverage ratio | 10.23% |
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 | $97.6M |
| Tier 1 capital | $97.6M |
| Total risk-based capital | $108.4M |
| Total equity capital | $99.9M |
| Risk-weighted assets | $855.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.53% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 10.44% |
| Internal capital growth rate | -43.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $58K |
| Common stock surplus | $59.8M |
| Retained earnings | $41.0M |
| 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 | 10.98% | 10.98% | 12.11% | 10.16% | $906.3M |
| Q4 2023 | 10.18% | 10.18% | 11.31% | 9.39% | $933.7M |
| Q1 2024 | 9.89% | 9.89% | 10.96% | 9.17% | $974.0M |
| Q2 2024 | 10.02% | 10.02% | 11.07% | 9.26% | $989.3M |
| Q3 2024 | 10.19% | 10.19% | 11.30% | 9.36% | $1.00B |
| Q4 2024 | 10.28% | 10.28% | 11.34% | 9.28% | $995.2M |
| Q1 2025 | 10.72% | 10.72% | 11.81% | 9.76% | $1.02B |
| Q2 2025 | 10.48% | 10.48% | 11.73% | 9.73% | $1.03B |
| Q3 2025 | 11.18% | 11.18% | 12.44% | 9.81% | $978.8M |
| Q4 2025 | 11.58% | 11.58% | 12.84% | 10.09% | $944.9M |
| Q1 2026 | 12.22% | 12.22% | 13.47% | 10.68% | $897.4M |
| Q2 2026 | 11.40% | 11.40% | 12.67% | 10.23% | $855.6M |
Midwest Regional Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Regional 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 Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8889) · FFIEC NIC profile (RSSD 691958)