Bank 1st: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Equity capital to average assets edged up by 0.22 percentage points, from 10.39% to 10.61%, the largest move among the key lines here.
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 | 15.20% |
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 | $24.8M |
| Tier 1 capital | $24.8M |
| Total risk-based capital | — |
| Total equity capital | $17.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.43% |
| Tangible equity to tangible assets | 10.43% |
| Equity capital to average assets | 10.61% |
| Internal capital growth rate | 7.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $1.8M |
| Retained earnings | $22.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | 14.26% | 7.45% | 7.45% |
| Q4 2023 | 14.67% | 8.26% | 8.26% |
| Q1 2024 | 14.27% | 7.94% | 7.94% |
| Q2 2024 | 14.19% | 8.19% | 8.19% |
| Q3 2024 | 14.64% | 9.15% | 9.15% |
| Q4 2024 | 15.20% | 8.75% | 8.75% |
| Q1 2025 | 15.30% | 8.77% | 8.77% |
| Q2 2025 | 15.60% | 8.80% | 8.80% |
| Q3 2025 | 15.91% | 10.40% | 10.40% |
| Q4 2025 | 15.11% | 10.10% | 10.10% |
| Q1 2026 | 14.89% | 10.22% | 10.22% |
| Q2 2026 | 15.20% | 10.43% | 10.43% |
Bank 1st regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 1st, 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 Bank 1st profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13816) · FFIEC NIC profile (RSSD 142049)