First American Bank and Trust: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.32 percentage points in Q2 2026 to 11.73%, the biggest move on this page. First American Bank and Trust ranks 13th of 46 Louisiana banks on CET1 ratio, in the upper half at 24.75% (Q2 2026). First American Bank and Trust's CET1 ratio of 24.75% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 11.27 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.75% |
| Tier 1 risk-based capital ratio | 24.75% |
| Total risk-based capital ratio | 26.00% |
| Tier 1 leverage ratio | 13.81% |
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 | $193.3M |
| Tier 1 capital | $193.3M |
| Total risk-based capital | $203.1M |
| Total equity capital | $162.1M |
| Risk-weighted assets | $781.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.73% |
| Tangible equity to tangible assets | 11.73% |
| Equity capital to average assets | 11.58% |
| Internal capital growth rate | 7.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $48.5M |
| Retained earnings | $143.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.3M |
| 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 | 21.15% | 21.15% | 22.41% | 11.72% | $808.0M |
| Q4 2023 | 21.46% | 21.46% | 22.71% | 11.84% | $804.3M |
| Q1 2024 | 22.47% | 22.47% | 23.73% | 11.80% | $774.6M |
| Q2 2024 | 22.74% | 22.74% | 23.99% | 12.75% | $772.5M |
| Q3 2024 | 22.72% | 22.72% | 23.97% | 12.95% | $781.1M |
| Q4 2024 | 23.05% | 23.05% | 24.30% | 13.04% | $780.8M |
| Q1 2025 | 23.72% | 23.72% | 24.97% | 12.98% | $767.6M |
| Q2 2025 | 23.85% | 23.85% | 25.11% | 13.37% | $775.5M |
| Q3 2025 | 24.53% | 24.53% | 25.79% | 13.83% | $767.1M |
| Q4 2025 | 25.31% | 25.31% | 26.57% | 14.06% | $756.3M |
| Q1 2026 | 24.82% | 24.82% | 26.07% | 13.59% | $766.9M |
| Q2 2026 | 24.75% | 24.75% | 26.00% | 13.81% | $781.2M |
First American Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8149) · FFIEC NIC profile (RSSD 101037)