1st 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 19.7% higher than in Q1 2026, at -$1.4M. 1st National Bank ranks 38th of 84 Ohio banks on CET1 ratio, in the upper half at 14.71% (Q2 2026). At 14.71%, 1st National Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.71% |
| Tier 1 risk-based capital ratio | 14.71% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 9.56% |
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 | $24.4M |
| Tier 1 capital | $24.4M |
| Total risk-based capital | $26.4M |
| Total equity capital | $23.0M |
| Risk-weighted assets | $165.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.31% |
| Tangible equity to tangible assets | 9.31% |
| Equity capital to average assets | 9.03% |
| Internal capital growth rate | 8.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $954K |
| Common stock surplus | $2.3M |
| Retained earnings | $21.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 9.39% | 9.39% | 10.46% | 6.68% | $211.4M |
| Q4 2023 | 9.75% | 9.75% | 10.88% | 6.73% | $203.7M |
| Q1 2024 | 9.83% | 9.83% | 10.97% | 6.88% | $201.8M |
| Q2 2024 | 10.74% | 10.74% | 11.90% | 7.42% | $198.7M |
| Q3 2024 | 11.68% | 11.68% | 12.87% | 7.87% | $193.9M |
| Q4 2024 | 11.92% | 11.92% | 13.14% | 7.81% | $189.2M |
| Q1 2025 | 12.21% | 12.21% | 13.44% | 8.23% | $185.7M |
| Q2 2025 | 12.92% | 12.92% | 14.18% | 8.87% | $180.9M |
| Q3 2025 | 13.49% | 13.49% | 14.74% | 9.24% | $176.9M |
| Q4 2025 | 13.80% | 13.80% | 15.05% | 9.11% | $176.2M |
| Q1 2026 | 14.09% | 14.09% | 15.35% | 9.17% | $169.5M |
| Q2 2026 | 14.71% | 14.71% | 15.96% | 9.56% | $165.7M |
1st National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st 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 1st National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6646) · FFIEC NIC profile (RSSD 480723)