Community 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.49 percentage points in Q2 2026 to 9.09%, the biggest move on this page. Community First Bank, N.A. ranks 19th of 84 Ohio banks on CET1 ratio, in the upper half at 19.46% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio; Community First Bank, N.A. reported 19.46% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.46% |
| Tier 1 risk-based capital ratio | 19.46% |
| Total risk-based capital ratio | 20.06% |
| Tier 1 leverage ratio | 9.38% |
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 | $5.4M |
| Tier 1 capital | $5.4M |
| Total risk-based capital | $5.6M |
| Total equity capital | $5.1M |
| Risk-weighted assets | $27.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 6.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $575K |
| Common stock surplus | $814K |
| Retained earnings | $4.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$284K |
| 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 | 19.39% | 19.39% | 20.01% | 8.53% | $27.1M |
| Q4 2023 | 18.85% | 18.85% | 19.46% | 8.46% | $27.5M |
| Q1 2024 | 19.31% | 19.31% | 19.93% | 8.78% | $26.8M |
| Q2 2024 | 19.48% | 19.48% | 20.11% | 8.97% | $26.6M |
| Q3 2024 | 19.21% | 19.21% | 19.83% | 9.22% | $27.1M |
| Q4 2024 | 19.15% | 19.15% | 19.77% | 9.12% | $26.9M |
| Q1 2025 | 19.61% | 19.61% | 20.25% | 9.12% | $26.4M |
| Q2 2025 | 19.38% | 19.38% | 20.01% | 9.08% | $26.9M |
| Q3 2025 | 19.72% | 19.72% | 20.35% | 9.00% | $26.6M |
| Q4 2025 | 19.49% | 19.49% | 20.11% | 9.25% | $27.0M |
| Q1 2026 | 19.42% | 19.42% | 20.03% | 9.46% | $27.4M |
| Q2 2026 | 19.46% | 19.46% | 20.06% | 9.38% | $27.8M |
Community First Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community First Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6584) · FFIEC NIC profile (RSSD 579319)