1st Trust Bank, Inc.: 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 Retained earnings, which rose 4.5% to $17.3M.
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 | 9.65% |
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 | $32.5M |
| Tier 1 capital | $32.5M |
| Total risk-based capital | — |
| Total equity capital | $30.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.75% |
| Equity capital to average assets | 9.13% |
| Internal capital growth rate | 9.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.2M |
| Common stock surplus | $6.0M |
| Retained earnings | $17.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 10.72% | 9.03% | 9.03% |
| Q4 2023 | 10.64% | 8.80% | 8.80% |
| Q1 2024 | 9.97% | 8.94% | 8.94% |
| Q2 2024 | 9.90% | 8.81% | 8.81% |
| Q3 2024 | 9.76% | 8.48% | 8.48% |
| Q4 2024 | 9.56% | 8.44% | 8.44% |
| Q1 2025 | 9.56% | 8.44% | 8.44% |
| Q2 2025 | 9.41% | 8.40% | 8.40% |
| Q3 2025 | 9.46% | 8.85% | 8.85% |
| Q4 2025 | 9.54% | 8.88% | 8.88% |
| Q1 2026 | 9.61% | 8.66% | 8.66% |
| Q2 2026 | 9.65% | 8.75% | 8.75% |
1st Trust Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Trust Bank, Inc., 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 Trust Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57869) · FFIEC NIC profile (RSSD 3309393)