Credit First 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 average assets dropped 3.06 percentage points in Q2 2026, from 101.32% to 98.26%. It was the largest change from Q1 2026 among the key lines here. Credit First N.A. has the highest CET1 ratio of the 84 banks headquartered in Ohio, 400.63% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, Credit First N.A. reported 400.63% on CET1 ratio in Q2 2026, 381.06 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 400.63% |
| Tier 1 risk-based capital ratio | 400.63% |
| Total risk-based capital ratio | 400.63% |
| Tier 1 leverage ratio | 98.26% |
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 | $38.2M |
| Tier 1 capital | $38.2M |
| Total risk-based capital | $38.2M |
| Total equity capital | $38.2M |
| Risk-weighted assets | $9.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 96.04% |
| Tangible equity to tangible assets | 96.04% |
| Equity capital to average assets | 98.26% |
| Internal capital growth rate | -9.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $36.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 343.98% | 343.98% | 343.98% | 89.42% | $10.1M |
| Q4 2023 | 398.01% | 398.01% | 398.01% | 97.23% | $9.1M |
| Q1 2024 | 390.12% | 390.12% | 390.12% | 99.34% | $9.8M |
| Q2 2024 | 367.61% | 367.61% | 367.61% | 93.23% | $10.2M |
| Q3 2024 | 434.90% | 434.90% | 434.90% | 92.95% | $8.5M |
| Q4 2024 | 412.14% | 412.14% | 412.14% | 91.81% | $8.9M |
| Q1 2025 | 409.02% | 409.02% | 409.02% | 100.39% | $9.4M |
| Q2 2025 | 414.49% | 414.49% | 414.49% | 96.74% | $9.3M |
| Q3 2025 | 396.93% | 396.93% | 396.93% | 91.36% | $9.4M |
| Q4 2025 | 387.66% | 387.66% | 387.66% | 96.34% | $9.7M |
| Q1 2026 | 398.48% | 398.48% | 398.48% | 101.32% | $9.8M |
| Q2 2026 | 400.63% | 400.63% | 400.63% | 98.26% | $9.5M |
Credit First N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit First 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 Credit First N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33855) · FFIEC NIC profile (RSSD 2122997)