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%.
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.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.9% to $720.6M. Within Texas, First Bank is 147th of 184 on CET1 ratio, 13.40% as of Q2 2026. First Bank reported 13.40% on CET1 ratio for Q2 2026, 1.68 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.40% |
| Tier 1 risk-based capital ratio | 13.40% |
| Total risk-based capital ratio | 14.66% |
| Tier 1 leverage ratio | 13.87% |
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 | $96.6M |
| Tier 1 capital | $96.6M |
| Total risk-based capital | $105.6M |
| Total equity capital | $96.6M |
| Risk-weighted assets | $720.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.72% |
| Tangible equity to tangible assets | 13.72% |
| Equity capital to average assets | 13.86% |
| Internal capital growth rate | 6.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $11.7M |
| Retained earnings | $84.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26K |
| 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 | 12.95% | 12.95% | 14.21% | 12.46% | $613.9M |
| Q4 2023 | 13.12% | 13.12% | 14.38% | 12.90% | $631.1M |
| Q1 2024 | 13.65% | 13.65% | 14.91% | 13.08% | $609.1M |
| Q2 2024 | 13.42% | 13.42% | 14.68% | 13.39% | $631.8M |
| Q3 2024 | 13.13% | 13.13% | 14.39% | 13.43% | $650.6M |
| Q4 2024 | 13.08% | 13.08% | 14.33% | 13.80% | $681.1M |
| Q1 2025 | 13.04% | 13.04% | 14.30% | 13.64% | $682.7M |
| Q2 2025 | 12.86% | 12.86% | 14.11% | 13.59% | $703.8M |
| Q3 2025 | 13.23% | 13.23% | 14.49% | 13.42% | $690.9M |
| Q4 2025 | 13.63% | 13.63% | 14.89% | 13.99% | $696.2M |
| Q1 2026 | 13.71% | 13.71% | 14.96% | 14.05% | $693.4M |
| Q2 2026 | 13.40% | 13.40% | 14.66% | 13.87% | $720.6M |
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 3121) · FFIEC NIC profile (RSSD 239659)