First Bank and Trust Company: 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%.
Equity capital to total assets climbed 0.80 percentage points in Q2 2026, from 13.98% to 14.78%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.68% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | — |
| Total equity capital | $8.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.78% |
| Tangible equity to tangible assets | 14.78% |
| Equity capital to average assets | 14.75% |
| Internal capital growth rate | 13.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $800K |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.00% | 10.87% | 10.87% |
| Q4 2023 | 14.02% | 11.15% | 11.15% |
| Q1 2024 | 15.35% | 12.24% | 12.24% |
| Q2 2024 | 15.54% | 12.42% | 12.42% |
| Q3 2024 | 14.89% | 12.65% | 12.65% |
| Q4 2024 | 14.81% | 12.25% | 12.25% |
| Q1 2025 | 15.95% | 13.32% | 13.32% |
| Q2 2025 | 16.25% | 13.92% | 13.92% |
| Q3 2025 | 16.17% | 13.95% | 13.95% |
| Q4 2025 | 16.49% | 14.66% | 14.66% |
| Q1 2026 | 16.01% | 13.98% | 13.98% |
| Q2 2026 | 16.68% | 14.78% | 14.78% |
First Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15348) · FFIEC NIC profile (RSSD 157856)