Town and Country Bank Midwest: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.49 percentage points to 14.94%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.89% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.0M |
| Tier 1 capital | $42.0M |
| Total risk-based capital | — |
| Total equity capital | $41.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.94% |
| Tangible equity to tangible assets | 14.94% |
| Equity capital to average assets | 14.78% |
| Internal capital growth rate | 3.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $460K |
| Common stock surplus | $4.4M |
| Retained earnings | $37.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$315K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.49% | 11.71% | 11.66% |
| Q4 2023 | 12.40% | 11.73% | 11.69% |
| Q1 2024 | 12.46% | 11.92% | 11.89% |
| Q2 2024 | 12.94% | 12.53% | 12.50% |
| Q3 2024 | 13.63% | 13.25% | 13.23% |
| Q4 2024 | 13.07% | 12.29% | 12.27% |
| Q1 2025 | 13.20% | 12.87% | 12.86% |
| Q2 2025 | 13.66% | 13.61% | 13.61% |
| Q3 2025 | 14.15% | 13.99% | 13.99% |
| Q4 2025 | 14.38% | 14.10% | 14.10% |
| Q1 2026 | 14.58% | 14.45% | 14.45% |
| Q2 2026 | 14.89% | 14.94% | 14.94% |
Town and Country Bank Midwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Town and Country Bank Midwest, 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 Town and Country Bank Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10460) · FFIEC NIC profile (RSSD 349343)