1NB 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 largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 4.5% to $30.1M.
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 | 10.29% |
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 | $32.8M |
| Tier 1 capital | $32.8M |
| Total risk-based capital | — |
| Total equity capital | $30.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.44% |
| Tangible equity to tangible assets | 9.44% |
| Equity capital to average assets | 9.45% |
| Internal capital growth rate | 13.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $750K |
| Retained earnings | $31.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 9.66% | 6.54% | 6.41% |
| Q4 2023 | 9.23% | 7.27% | 7.16% |
| Q1 2024 | 9.34% | 7.34% | 7.25% |
| Q2 2024 | 9.51% | 7.62% | 7.54% |
| Q3 2024 | 9.68% | 8.36% | 8.29% |
| Q4 2024 | 9.44% | 7.95% | 7.89% |
| Q1 2025 | 9.71% | 8.54% | 8.49% |
| Q2 2025 | 10.16% | 9.02% | 8.98% |
| Q3 2025 | 10.14% | 9.27% | 9.24% |
| Q4 2025 | 10.14% | 9.39% | 9.37% |
| Q1 2026 | 10.11% | 9.34% | 9.33% |
| Q2 2026 | 10.29% | 9.44% | 9.44% |
1NB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1NB 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 1NB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14761) · FFIEC NIC profile (RSSD 614948)