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.
Compared with Q1 2026, Retained earnings rose 3.9% in Q2 2026 to $228.5M, the biggest move on this page. On CET1 ratio, First Bank is 2nd from the bottom among 37 New Jersey banks, 10.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. First Bank sits 2.60 points lower, at 10.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.89% |
| Tier 1 risk-based capital ratio | 10.89% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 10.17% |
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 | $400.7M |
| Tier 1 capital | $400.7M |
| Total risk-based capital | $481.1M |
| Total equity capital | $453.2M |
| Risk-weighted assets | $3.68B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.09% |
| Tangible equity to tangible assets | 9.98% |
| Equity capital to average assets | 11.34% |
| Internal capital growth rate | 7.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $138.2M |
| Common stock surplus | $127.0M |
| Retained earnings | $228.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| Subordinated notes and debentures | $34.5M |
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 | 9.00% | 9.00% | 11.37% | 8.92% | $3.48B |
| Q4 2023 | 9.22% | 9.22% | 11.58% | 9.12% | $3.47B |
| Q1 2024 | 9.46% | 9.46% | 11.39% | 9.27% | $3.44B |
| Q2 2024 | 9.69% | 9.69% | 11.60% | 9.45% | $3.47B |
| Q3 2024 | 9.65% | 9.65% | 11.55% | 9.53% | $3.56B |
| Q4 2024 | 9.70% | 9.70% | 11.56% | 9.50% | $3.65B |
| Q1 2025 | 9.59% | 9.59% | 11.46% | 9.63% | $3.75B |
| Q2 2025 | 9.96% | 9.96% | 12.68% | 9.42% | $3.68B |
| Q3 2025 | 10.15% | 10.15% | 12.25% | 9.54% | $3.71B |
| Q4 2025 | 10.67% | 10.67% | 12.87% | 9.75% | $3.65B |
| Q1 2026 | 10.88% | 10.88% | 13.08% | 10.20% | $3.64B |
| Q2 2026 | 10.89% | 10.89% | 13.08% | 10.17% | $3.68B |
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 58481) · FFIEC NIC profile (RSSD 3401970)