FCNB 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%.
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.
Total equity capital rose 5.3% from Q1 2026 to Q2 2026, ending at $11.0M against $10.4M. It was the largest change among the key lines on this page. FCNB Bank has the 9th lowest CET1 ratio of the 97 banks headquartered in Missouri, at 10.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. FCNB Bank sits 4.97 points lower, at 10.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.11% |
| Tier 1 risk-based capital ratio | 10.11% |
| Total risk-based capital ratio | 10.94% |
| Tier 1 leverage ratio | 8.06% |
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 | $17.4M |
| Tier 1 capital | $17.4M |
| Total risk-based capital | $18.9M |
| Total equity capital | $11.0M |
| Risk-weighted assets | $172.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.97% |
| Tangible equity to tangible assets | 4.87% |
| Equity capital to average assets | 5.06% |
| Internal capital growth rate | 11.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $7.4M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.7M |
| 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 | 10.26% | 10.26% | 11.24% | 6.99% | $131.9M |
| Q4 2023 | 9.77% | 9.77% | 10.64% | 7.07% | $140.3M |
| Q1 2024 | 9.73% | 9.73% | 10.52% | 6.95% | $142.4M |
| Q2 2024 | 9.35% | 9.35% | 10.11% | 7.32% | $148.7M |
| Q3 2024 | 10.06% | 10.06% | 10.81% | 7.64% | $148.9M |
| Q4 2024 | 10.08% | 10.08% | 10.86% | 7.73% | $149.4M |
| Q1 2025 | 9.82% | 9.82% | 10.60% | 7.83% | $156.7M |
| Q2 2025 | 9.80% | 9.80% | 10.58% | 7.63% | $158.8M |
| Q3 2025 | 10.36% | 10.36% | 11.15% | 7.97% | $160.6M |
| Q4 2025 | 10.38% | 10.38% | 11.19% | 8.08% | $162.8M |
| Q1 2026 | 10.22% | 10.22% | 11.03% | 7.97% | $167.6M |
| Q2 2026 | 10.11% | 10.11% | 10.94% | 8.06% | $172.6M |
FCNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FCNB 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 FCNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1639) · FFIEC NIC profile (RSSD 619859)