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, Total risk-based capital ratio rose 0.79 percentage points in Q2 2026 to 25.87%, the biggest move on this page. Against a median of 15.08% for banks in the $100M-1B asset tier, First Bank reported 24.62% on CET1 ratio in Q2 2026, 9.54 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.62% |
| Tier 1 risk-based capital ratio | 24.62% |
| Total risk-based capital ratio | 25.87% |
| Tier 1 leverage ratio | 10.16% |
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 | $88.9M |
| Tier 1 capital | $88.9M |
| Total risk-based capital | $93.5M |
| Total equity capital | $71.5M |
| Risk-weighted assets | $361.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.04% |
| Tangible equity to tangible assets | 8.04% |
| Equity capital to average assets | 8.17% |
| Internal capital growth rate | 13.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $11.1M |
| Retained earnings | $76.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.4M |
| 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 | 22.88% | 22.88% | 24.14% | 8.68% | $322.1M |
| Q4 2023 | 23.68% | 23.68% | 24.94% | 8.74% | $319.6M |
| Q1 2024 | 23.01% | 23.01% | 24.27% | 8.94% | $326.0M |
| Q2 2024 | 22.52% | 22.52% | 23.78% | 9.07% | $336.0M |
| Q3 2024 | 23.08% | 23.08% | 24.33% | 8.78% | $336.9M |
| Q4 2024 | 24.01% | 24.01% | 25.27% | 9.02% | $335.3M |
| Q1 2025 | 23.37% | 23.37% | 24.62% | 9.33% | $343.0M |
| Q2 2025 | 23.93% | 23.93% | 25.18% | 9.58% | $342.4M |
| Q3 2025 | 23.92% | 23.92% | 25.17% | 9.34% | $350.5M |
| Q4 2025 | 24.60% | 24.60% | 25.86% | 9.52% | $352.8M |
| Q1 2026 | 23.83% | 23.83% | 25.08% | 9.88% | $363.7M |
| Q2 2026 | 24.62% | 24.62% | 25.87% | 10.16% | $361.3M |
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 14885) · FFIEC NIC profile (RSSD 451068)