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%.
The standout move of Q2 2026 was in Retained earnings: 8.8% higher than in Q1 2026, at $27.5M. Community First Bank ranks 35th of 46 Louisiana banks on CET1 ratio, in the lower half at 14.18% (Q2 2026). Community First Bank reported 14.18% on CET1 ratio for Q2 2026, 0.89 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.18% |
| Tier 1 risk-based capital ratio | 14.18% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 9.74% |
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 | $77.5M |
| Tier 1 capital | $77.5M |
| Total risk-based capital | $84.4M |
| Total equity capital | $71.4M |
| Risk-weighted assets | $546.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.14% |
| Tangible equity to tangible assets | 9.14% |
| Equity capital to average assets | 8.98% |
| Internal capital growth rate | 12.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $48.9M |
| Retained earnings | $27.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.15% | 13.15% | 14.40% | 9.06% | $468.4M |
| Q4 2023 | 12.82% | 12.82% | 14.07% | 9.10% | $484.9M |
| Q1 2024 | 12.74% | 12.74% | 14.00% | 9.16% | $493.6M |
| Q2 2024 | 12.77% | 12.77% | 14.03% | 9.49% | $503.6M |
| Q3 2024 | 12.97% | 12.97% | 14.23% | 9.90% | $510.6M |
| Q4 2024 | 13.16% | 13.16% | 14.41% | 9.83% | $508.7M |
| Q1 2025 | 13.33% | 13.33% | 14.58% | 9.76% | $514.3M |
| Q2 2025 | 13.81% | 13.81% | 15.07% | 9.71% | $511.1M |
| Q3 2025 | 14.09% | 14.09% | 15.34% | 10.01% | $515.1M |
| Q4 2025 | 13.94% | 13.94% | 15.19% | 9.90% | $526.3M |
| Q1 2026 | 14.20% | 14.20% | 15.45% | 9.65% | $530.5M |
| Q2 2026 | 14.18% | 14.18% | 15.43% | 9.74% | $546.7M |
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 35020) · FFIEC NIC profile (RSSD 2775179)