First American 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%.
Accumulated other comprehensive income fell 4.1% from Q1 2026 to Q2 2026, ending at -$53.4M against -$51.3M. It was the largest change among the key lines on this page. Within New Mexico, First American Bank is 11th of 20 on CET1 ratio, 17.94% as of Q2 2026, below the middle of the field. First American Bank reported 17.94% on CET1 ratio for Q2 2026, 4.46 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.94% |
| Tier 1 risk-based capital ratio | 17.94% |
| Total risk-based capital ratio | 19.19% |
| Tier 1 leverage ratio | 11.79% |
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 | $227.2M |
| Tier 1 capital | $227.2M |
| Total risk-based capital | $243.1M |
| Total equity capital | $191.0M |
| Risk-weighted assets | $1.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.98% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 5.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $101.8M |
| Retained earnings | $138.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$53.4M |
| 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 | 16.19% | 16.19% | 17.44% | 9.98% | $1.15B |
| Q4 2023 | 16.73% | 16.73% | 17.98% | 10.57% | $1.17B |
| Q1 2024 | 16.16% | 16.16% | 17.41% | 10.18% | $1.17B |
| Q2 2024 | 16.94% | 16.94% | 18.20% | 10.75% | $1.16B |
| Q3 2024 | 16.29% | 16.29% | 17.55% | 10.49% | $1.18B |
| Q4 2024 | 17.10% | 17.10% | 18.35% | 10.97% | $1.19B |
| Q1 2025 | 16.19% | 16.19% | 17.45% | 10.31% | $1.21B |
| Q2 2025 | 16.75% | 16.75% | 18.00% | 10.52% | $1.22B |
| Q3 2025 | 17.83% | 17.83% | 19.08% | 11.44% | $1.22B |
| Q4 2025 | 19.45% | 19.45% | 20.71% | 12.06% | $1.18B |
| Q1 2026 | 17.83% | 17.83% | 19.08% | 11.66% | $1.26B |
| Q2 2026 | 17.94% | 17.94% | 19.19% | 11.79% | $1.27B |
First American Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2240) · FFIEC NIC profile (RSSD 771458)