FCN 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%.
Accumulated other comprehensive income climbed 13.2% in Q2 2026, from -$22.4M to -$19.5M. It was the largest change from Q1 2026 among the key lines here. FCN Bank, N.A. ranks 21st of 50 Indiana banks on CET1 ratio, in the upper half at 14.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. FCN Bank, N.A. sits 1.06 points lower, at 14.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.18% |
| Tier 1 leverage ratio | 9.92% |
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 | $79.2M |
| Tier 1 capital | $79.2M |
| Total risk-based capital | $85.8M |
| Total equity capital | $65.4M |
| Risk-weighted assets | $565.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.05% |
| Tangible equity to tangible assets | 7.40% |
| Equity capital to average assets | 8.14% |
| Internal capital growth rate | 9.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $632K |
| Common stock surplus | $11.3M |
| Retained earnings | $73.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.5M |
| 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 | 13.21% | 13.21% | 14.37% | 9.22% | $526.1M |
| Q4 2023 | 13.38% | 13.38% | 14.56% | 9.30% | $527.2M |
| Q1 2024 | 13.56% | 13.56% | 14.75% | 9.21% | $526.2M |
| Q2 2024 | 13.51% | 13.51% | 14.69% | 9.31% | $529.8M |
| Q3 2024 | 13.49% | 13.49% | 14.67% | 9.10% | $535.0M |
| Q4 2024 | 13.68% | 13.68% | 14.88% | 9.09% | $533.9M |
| Q1 2025 | 13.93% | 13.93% | 15.14% | 9.50% | $529.4M |
| Q2 2025 | 13.83% | 13.83% | 15.02% | 9.71% | $537.8M |
| Q3 2025 | 14.12% | 14.12% | 15.33% | 9.84% | $533.3M |
| Q4 2025 | 14.14% | 14.14% | 15.34% | 9.82% | $540.3M |
| Q1 2026 | 14.10% | 14.10% | 15.28% | 9.88% | $551.2M |
| Q2 2026 | 14.01% | 14.01% | 15.18% | 9.92% | $565.2M |
FCN Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FCN 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 FCN Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4319) · FFIEC NIC profile (RSSD 321947)