Community First 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.44 percentage points in Q2 2026 to 10.06%, the biggest move on this page.
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 | 10.95% |
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 | $68.8M |
| Tier 1 capital | $68.8M |
| Total risk-based capital | — |
| Total equity capital | $63.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.08% |
| Tangible equity to tangible assets | 9.17% |
| Equity capital to average assets | 10.06% |
| Internal capital growth rate | 11.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $11.8M |
| Retained earnings | $63.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.3M |
| 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 | 13.49% | 13.49% | 14.49% | 9.78% | $430.1M |
| Q4 2023 | 13.37% | 13.37% | 14.38% | 9.79% | $435.6M |
| Q1 2024 | 13.00% | 13.00% | 14.00% | 9.69% | $445.3M |
| Q2 2024 | 13.03% | 13.03% | 14.02% | 9.81% | $451.8M |
| Q3 2024 | 13.29% | 13.29% | 14.32% | 9.86% | $449.4M |
| Q4 2024 | 13.40% | 13.40% | 14.42% | 9.92% | $454.8M |
| Q1 2025 | 13.23% | 13.23% | 14.27% | 9.91% | $462.1M |
| Q2 2025 | 13.62% | 13.62% | 14.68% | 9.79% | $457.9M |
| Q3 2025 | 14.25% | 14.25% | 15.36% | 10.15% | $450.1M |
| Q4 2025 | 14.14% | 14.14% | 15.25% | 10.41% | $464.8M |
| Q1 2026 | 14.34% | 14.34% | 15.46% | 10.47% | $467.0M |
| Q2 2026 | — | — | — | 10.95% | — |
Community First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First 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 Community First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11595) · FFIEC NIC profile (RSSD 175140)