City First Bank, N.A.: 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%.
Equity capital to total assets dropped 1.11 percentage points in Q2 2026, from 13.18% to 12.06%. It was the largest change from Q1 2026 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 | 13.20% |
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 | $194.5M |
| Tier 1 capital | $194.5M |
| Total risk-based capital | — |
| Total equity capital | $188.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.06% |
| Tangible equity to tangible assets | 11.99% |
| Equity capital to average assets | 12.77% |
| Internal capital growth rate | 2.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $581K |
| Common stock surplus | $117.5M |
| Retained earnings | $77.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.6M |
| 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 | 15.13% | 15.51% | 13.55% |
| Q4 2023 | 14.97% | 14.60% | 12.82% |
| Q1 2024 | 13.68% | 14.61% | 12.84% |
| Q2 2024 | 13.82% | 14.73% | 12.96% |
| Q3 2024 | 13.84% | 15.05% | 13.30% |
| Q4 2024 | 13.61% | 15.43% | 13.64% |
| Q1 2025 | 14.78% | 16.33% | 14.45% |
| Q2 2025 | 15.34% | 16.64% | 14.76% |
| Q3 2025 | 14.56% | 13.88% | 13.78% |
| Q4 2025 | 14.09% | 13.92% | 13.83% |
| Q1 2026 | 14.06% | 13.18% | 13.09% |
| Q2 2026 | 13.20% | 12.06% | 11.99% |
City First Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City First Bank, N.A., 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 City First Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34352) · FFIEC NIC profile (RSSD 2697963)