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%.
Risk-weighted assets climbed 10.9% in Q2 2026, from $63.4M to $70.3M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Bank is 8th of 71 on CET1 ratio, 23.44% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, First Bank reported 23.44% on CET1 ratio in Q2 2026, 8.36 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.44% |
| Tier 1 risk-based capital ratio | 23.44% |
| Total risk-based capital ratio | 24.70% |
| Tier 1 leverage ratio | 14.16% |
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 | $16.5M |
| Tier 1 capital | $16.5M |
| Total risk-based capital | $17.4M |
| Total equity capital | $16.7M |
| Risk-weighted assets | $70.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.18% |
| Tangible equity to tangible assets | 14.00% |
| Equity capital to average assets | 14.35% |
| Internal capital growth rate | 9.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $6.0M |
| Retained earnings | $10.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 18.07% | 18.07% | 19.34% | 12.99% | $71.6M |
| Q4 2023 | 17.70% | 17.70% | 18.96% | 13.49% | $74.1M |
| Q1 2024 | 17.94% | 17.94% | 19.20% | 13.23% | $74.2M |
| Q2 2024 | 19.35% | 19.35% | 20.62% | 13.11% | $71.1M |
| Q3 2024 | 19.34% | 19.34% | 20.60% | 13.58% | $72.6M |
| Q4 2024 | 20.88% | 20.88% | 22.15% | 14.18% | $69.1M |
| Q1 2025 | 22.24% | 22.24% | 23.50% | 13.84% | $66.6M |
| Q2 2025 | 23.37% | 23.37% | 24.64% | 13.54% | $65.6M |
| Q3 2025 | 24.26% | 24.26% | 25.53% | 13.86% | $64.6M |
| Q4 2025 | 24.51% | 24.51% | 25.77% | 14.96% | $67.6M |
| Q1 2026 | 25.41% | 25.41% | 26.68% | 14.20% | $63.4M |
| Q2 2026 | 23.44% | 23.44% | 24.70% | 14.16% | $70.3M |
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 4092) · FFIEC NIC profile (RSSD 280352)