BankFirst: 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 4.1% to $146.2M. Within Nebraska, BankFirst is 9th of 57 on CET1 ratio, 19.74% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. BankFirst sits 6.26 points higher, at 19.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.74% |
| Tier 1 risk-based capital ratio | 19.74% |
| Total risk-based capital ratio | 20.92% |
| Tier 1 leverage ratio | 15.31% |
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 | $184.6M |
| Tier 1 capital | $184.6M |
| Total risk-based capital | $195.7M |
| Total equity capital | $195.6M |
| Risk-weighted assets | $935.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.14% |
| Tangible equity to tangible assets | 15.24% |
| Equity capital to average assets | 16.05% |
| Internal capital growth rate | 12.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $49.7M |
| Retained earnings | $146.2M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.86% | 15.86% | 17.11% | 12.46% | $820.7M |
| Q4 2023 | 16.46% | 16.46% | 17.71% | 12.87% | $825.8M |
| Q1 2024 | 17.33% | 17.33% | 18.58% | 13.65% | $813.7M |
| Q2 2024 | 16.94% | 16.94% | 18.19% | 13.79% | $866.1M |
| Q3 2024 | 17.24% | 17.24% | 18.49% | 13.73% | $886.9M |
| Q4 2024 | 17.42% | 17.42% | 18.67% | 14.25% | $913.0M |
| Q1 2025 | 18.00% | 18.00% | 19.25% | 14.78% | $897.6M |
| Q2 2025 | 18.38% | 18.38% | 19.61% | 15.07% | $907.8M |
| Q3 2025 | 17.96% | 17.96% | 19.22% | 14.22% | $920.2M |
| Q4 2025 | 18.59% | 18.59% | 19.73% | 14.67% | $931.0M |
| Q1 2026 | 19.26% | 19.26% | 20.51% | 15.25% | $928.7M |
| Q2 2026 | 19.74% | 19.74% | 20.92% | 15.31% | $935.4M |
BankFirst regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst, 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 BankFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20130) · FFIEC NIC profile (RSSD 117458)