Community First National 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%.
Retained earnings rose 5.8% from Q1 2026 to Q2 2026, ending at $33.7M against $31.8M. It was the largest change among the key lines on this page. Within Kansas, Community First National Bank is 58th of 85 on CET1 ratio, 13.08% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community First National Bank sits 1.99 points lower, at 13.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.08% |
| Tier 1 risk-based capital ratio | 13.08% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 10.94% |
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 | $40.7M |
| Tier 1 capital | $40.7M |
| Total risk-based capital | $44.6M |
| Total equity capital | $40.6M |
| Risk-weighted assets | $311.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.85% |
| Tangible equity to tangible assets | 10.85% |
| Equity capital to average assets | 10.93% |
| Internal capital growth rate | 18.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $5.5M |
| Retained earnings | $33.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$48K |
| 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 | 13.60% | 13.60% | 14.85% | 10.76% | $252.7M |
| Q4 2023 | 13.27% | 13.27% | 14.53% | 10.97% | $266.9M |
| Q1 2024 | — | — | — | 10.53% | — |
| Q2 2024 | — | — | — | 10.66% | — |
| Q3 2024 | — | — | — | 10.59% | — |
| Q4 2024 | — | — | — | 10.74% | — |
| Q1 2025 | — | — | — | 10.72% | — |
| Q2 2025 | — | — | — | 10.48% | — |
| Q3 2025 | — | — | — | 10.67% | — |
| Q4 2025 | — | — | — | 10.90% | — |
| Q1 2026 | 12.38% | 12.38% | 13.63% | 10.64% | $313.9M |
| Q2 2026 | 13.08% | 13.08% | 14.34% | 10.94% | $311.0M |
Community First National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35585) · FFIEC NIC profile (RSSD 2907019)