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%.
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 5.1% from Q1 2026 to Q2 2026, ending at $4.68B against $4.45B. It was the largest change among the key lines on this page. First American Bank ranks 122nd of 198 Illinois banks on CET1 ratio, in the lower half at 13.77% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; First American Bank reported 13.77% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 7.58% |
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 | $644.2M |
| Tier 1 capital | $644.2M |
| Total risk-based capital | $692.6M |
| Total equity capital | $694.5M |
| Risk-weighted assets | $4.68B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.05% |
| Tangible equity to tangible assets | 7.94% |
| Equity capital to average assets | 8.16% |
| Internal capital growth rate | 3.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.7M |
| Common stock surplus | $206.5M |
| Retained earnings | $440.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $40.3M |
| 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 | 12.04% | 12.04% | 13.00% | 7.10% | $3.91B |
| Q4 2023 | 13.17% | 13.17% | 14.17% | 7.29% | $3.78B |
| Q1 2024 | 12.18% | 12.18% | 13.13% | 7.48% | $4.20B |
| Q2 2024 | 12.49% | 12.49% | 13.49% | 6.96% | $4.06B |
| Q3 2024 | 13.16% | 13.16% | 14.26% | 7.34% | $3.95B |
| Q4 2024 | 13.42% | 13.42% | 14.47% | 7.55% | $4.12B |
| Q1 2025 | 13.60% | 13.60% | 14.62% | 7.53% | $4.16B |
| Q2 2025 | 13.05% | 13.05% | 14.06% | 7.16% | $4.40B |
| Q3 2025 | 13.62% | 13.62% | 14.67% | 7.29% | $4.34B |
| Q4 2025 | 14.27% | 14.27% | 15.28% | 7.75% | $4.40B |
| Q1 2026 | 14.33% | 14.33% | 15.35% | 7.82% | $4.45B |
| Q2 2026 | 13.77% | 13.77% | 14.80% | 7.58% | $4.68B |
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 3657) · FFIEC NIC profile (RSSD 850036)