Midwest Regional Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.67% (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: 4.67% (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 11.40% +4.90 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 | $97.6M | 97,556 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $855.6M | 855,589 | RCOAA223 |
| Recomputed ratio | 11.40% | numerator / denominator | |
| Filed ratio | 11.40% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.90 pp | $41.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.40% +3.40 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 | $97.6M | 97,556 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $855.6M | 855,589 | RCOAA223 |
| Recomputed ratio | 11.40% | numerator / denominator | |
| Filed ratio | 11.40% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.40 pp | $29.1M | capital that could be lost first |
Total risk-based capital ratio 12.67% +2.67 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 | $108.4M | 108,361 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $855.6M | 855,589 | RCOAA223 |
| Recomputed ratio | 12.67% | numerator / denominator | |
| Filed ratio | 12.67% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.67 pp | $22.8M | capital that could be lost first |
Tier 1 leverage ratio 10.23% +5.23 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 | $97.6M | 97,556 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $953.4M | 953,366 | RCOAA224 |
| Recomputed ratio | 10.23% | numerator / denominator | |
| Filed ratio | 10.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.23 pp | $49.9M | 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 | 59,904 | 59,828 | 59,754 | 59,682 | 59,610 | 59,537 | RCOAP742 |
| Retained earnings | 41,012 | 53,173 | 52,965 | 53,045 | 52,102 | 52,596 | RCOAKW00 |
| Accumulated other comprehensive income | (1,009) | (1,134) | (1,023) | (1,208) | (1,623) | (1,908) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 99,907 | 111,867 | 111,696 | 111,519 | 110,089 | 110,225 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,351) | (2,248) | (2,295) | (2,083) | (1,658) | (1,350) | P859 - P840 |
| Common equity Tier 1 capital | 97,556 | 109,619 | 109,401 | 109,436 | 108,431 | 108,875 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 97,556 | 109,619 | 109,401 | 109,436 | 108,431 | 108,875 | RCOA8274 |
| Tier 2 capital | 10,805 | 11,294 | 11,878 | 12,275 | 12,913 | 11,081 | RCOA5311 |
| Allowance includable in Tier 2 capital | 10,805 | 11,294 | 11,878 | 12,275 | 12,913 | 11,081 | RCOA5310 |
| Total capital | 108,361 | 120,913 | 121,279 | 121,711 | 121,344 | 119,956 | RCOA3792 |
| Total risk-weighted assets | 855,589 | 897,393 | 944,859 | 978,754 | 1,034,409 | 1,015,944 | RCOAA223 |
| Average total assets for the leverage ratio | 953,366 | 1,026,188 | 1,084,399 | 1,115,877 | 1,114,685 | 1,115,259 | 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 | $65.7M | $5.3M | 8.04% | 0.61% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $46.7M | $5.0M | 10.75% | 0.58% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $17.7M | $477K | 2.70% | 0.06% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $39.8M | $19.9M | 50.00% | 2.30% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $3.2M | $4.8M | 150.00% | 0.56% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $50.7M | $71.4M | 140.85% | 8.25% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $672.8M | $655.9M | 97.49% | 75.88% | RC-R Part II, item 4.d, 5.d |
| All other assets | $70.4M | $74.0M | 105.16% | 8.56% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $27.7M | $27.7M | 100.00% | 3.20% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $600 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $864.4M | ties to item 31 ($864.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $864.4M | RCONB704 |
| Less: excess allowance for credit losses | $8.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $855.6M | 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 | 11.40% | 11.40% | 12.67% | 10.23% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.22% | 12.22% | 13.47% | 10.68% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.58% | 11.58% | 12.84% | 10.09% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.18% | 11.18% | 12.44% | 9.81% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.48% | 10.48% | 11.73% | 9.73% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.72% | 10.72% | 11.81% | 9.76% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.28% | 10.28% | 11.34% | 9.28% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.19% | 10.19% | 11.30% | 9.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.02% | 10.02% | 11.07% | 9.26% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.89% | 9.89% | 10.96% | 9.17% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.18% | 10.18% | 11.31% | 9.39% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.98% | 10.98% | 12.11% | 10.16% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Regional Bank (this bank) | Risk-based | 11.40% | 11.40% | 12.67% | 10.23% | |
| U.S. Bank Trust N.A. | $948.9M | Risk-based | 488.44% | 488.44% | 488.44% | 99.77% |
| C3BANK, N.A. | $949.3M | Risk-based | 16.57% | 16.57% | 17.83% | 10.59% |
| The Farmers & Merchants Bank | $949.4M | Risk-based | 12.76% | 12.76% | 14.01% | 10.02% |
| American Bank of Freedom | $948.3M | Risk-based | 13.55% | 13.55% | 14.80% | 10.01% |
| First National Bank of Oklahoma | $949.9M | Risk-based | 13.23% | 13.23% | 14.48% | 10.46% |
| Stone Bank | $950.7M | Risk-based | 10.40% | 10.40% | 11.65% | 8.37% |
| Western Bank | $947.2M | CBLR | NA | NA | NA | 9.77% |
| Winchester Co-Operative Bank | $946.9M | CBLR | NA | NA | NA | 11.80% |
| Mid-Missouri Bank | $946.7M | Risk-based | 14.89% | 14.89% | 16.12% | 10.80% |
| Peer 25th percentile | 12.99% | 12.99% | 14.24% | 10.01% | ||
| Peer median | 13.55% | 13.55% | 14.80% | 10.46% | ||
| Peer 75th percentile | 15.73% | 15.73% | 16.97% | 10.80% | ||
| This bank's percentile | 14 | 14 | 14 | 44 |
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/691958/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.