First Bank and Trust Company of Illinois: 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%.
The standout move of Q2 2026 was in Retained earnings: 24.6% higher than in Q1 2026, at $2.8M. First Bank and Trust Company of Illinois ranks 20th of 198 Illinois banks on CET1 ratio, in the upper half at 25.03% (Q2 2026). First Bank and Trust Company of Illinois's CET1 ratio of 25.03% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.96 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.03% |
| Tier 1 risk-based capital ratio | 25.03% |
| Total risk-based capital ratio | 26.28% |
| Tier 1 leverage ratio | 15.91% |
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 | $36.0M |
| Tier 1 capital | $36.0M |
| Total risk-based capital | $37.8M |
| Total equity capital | $37.1M |
| Risk-weighted assets | $143.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.24% |
| Tangible equity to tangible assets | 15.82% |
| Equity capital to average assets | 16.33% |
| Internal capital growth rate | 5.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $33.3M |
| Retained earnings | $2.8M |
| 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 | 17.86% | 17.86% | 19.11% | 14.86% | $173.3M |
| Q4 2023 | 18.89% | 18.89% | 20.14% | 15.53% | $174.8M |
| Q1 2024 | 19.09% | 19.09% | 20.34% | 15.70% | $179.9M |
| Q2 2024 | 21.15% | 21.15% | 22.41% | 16.29% | $170.7M |
| Q3 2024 | 20.21% | 20.21% | 21.47% | 15.45% | $166.8M |
| Q4 2024 | 22.30% | 22.30% | 23.56% | 14.19% | $134.6M |
| Q1 2025 | 21.94% | 21.94% | 23.19% | 13.85% | $136.9M |
| Q2 2025 | — | — | — | 14.31% | — |
| Q3 2025 | — | — | — | 14.72% | — |
| Q4 2025 | — | — | — | 15.41% | — |
| Q1 2026 | 25.08% | 25.08% | 26.33% | 16.09% | $141.1M |
| Q2 2026 | 25.03% | 25.03% | 26.28% | 15.91% | $143.7M |
First Bank and Trust Company of Illinois 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 of Illinois, 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 of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18641) · FFIEC NIC profile (RSSD 646444)