First 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.9% to $61.3M. Within Florida, First Bank is 25th of 56 on CET1 ratio, 14.82% as of Q2 2026. At 14.82%, First Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.82% |
| Tier 1 risk-based capital ratio | 14.82% |
| Total risk-based capital ratio | 16.07% |
| Tier 1 leverage ratio | 9.70% |
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 | $79.7M |
| Tier 1 capital | $79.7M |
| Total risk-based capital | $86.5M |
| Total equity capital | $77.5M |
| Risk-weighted assets | $537.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.56% |
| Tangible equity to tangible assets | 9.56% |
| Equity capital to average assets | 9.43% |
| Internal capital growth rate | 12.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $16.9M |
| Retained earnings | $61.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 14.34% | 14.34% | 15.59% | 8.73% | $437.9M |
| Q4 2023 | 14.12% | 14.12% | 15.38% | 8.98% | $452.7M |
| Q1 2024 | 14.44% | 14.44% | 15.70% | 9.09% | $454.3M |
| Q2 2024 | 14.47% | 14.47% | 15.73% | 9.16% | $462.9M |
| Q3 2024 | 14.86% | 14.86% | 16.11% | 9.17% | $461.4M |
| Q4 2024 | 14.55% | 14.55% | 15.81% | 9.46% | $481.4M |
| Q1 2025 | 14.70% | 14.70% | 15.96% | 9.20% | $483.2M |
| Q2 2025 | 14.25% | 14.25% | 15.51% | 9.12% | $514.7M |
| Q3 2025 | 14.75% | 14.75% | 16.01% | 9.47% | $511.0M |
| Q4 2025 | 14.79% | 14.79% | 16.05% | 9.64% | $523.6M |
| Q1 2026 | 14.74% | 14.74% | 16.00% | 9.43% | $525.1M |
| Q2 2026 | 14.82% | 14.82% | 16.07% | 9.70% | $537.9M |
First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9620) · FFIEC NIC profile (RSSD 131436)