FCB Banks: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 2.9% from Q1 2026 to Q2 2026, ending at $1.83B against $1.78B. It was the largest change among the key lines on this page. FCB Banks ranks 154th of 198 Illinois banks on CET1 ratio, in the lower half at 12.08% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. FCB Banks sits 1.42 points lower, at 12.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.08% |
| Tier 1 risk-based capital ratio | 12.08% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 8.45% |
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 | $220.8M |
| Tier 1 capital | $220.8M |
| Total risk-based capital | $242.5M |
| Total equity capital | $214.8M |
| Risk-weighted assets | $1.83B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.13% |
| Tangible equity to tangible assets | 8.03% |
| Equity capital to average assets | 8.21% |
| Internal capital growth rate | 2.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $67.2M |
| Retained earnings | $155.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.0M |
| 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 | 11.67% | 11.67% | 12.78% | 8.25% | $1.56B |
| Q4 2023 | 11.94% | 11.94% | 13.09% | 8.52% | $1.59B |
| Q1 2024 | 12.07% | 12.07% | 13.24% | 8.64% | $1.59B |
| Q2 2024 | 12.05% | 12.05% | 13.23% | 8.49% | $1.61B |
| Q3 2024 | 11.99% | 11.99% | 13.15% | 8.36% | $1.65B |
| Q4 2024 | 11.81% | 11.81% | 12.99% | 8.21% | $1.70B |
| Q1 2025 | 12.21% | 12.21% | 13.42% | 8.27% | $1.69B |
| Q2 2025 | 12.17% | 12.17% | 13.38% | 8.10% | $1.69B |
| Q3 2025 | 12.36% | 12.36% | 13.59% | 8.03% | $1.69B |
| Q4 2025 | 12.25% | 12.25% | 13.48% | 7.98% | $1.72B |
| Q1 2026 | 12.36% | 12.36% | 13.58% | 8.49% | $1.78B |
| Q2 2026 | 12.08% | 12.08% | 13.27% | 8.45% | $1.83B |
FCB Banks regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FCB Banks, 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 FCB Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33005) · FFIEC NIC profile (RSSD 1459717)