The First Bank and Trust Company of Murphysboro: 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 4.8% in Q2 2026 to -$1.4M, the biggest move on this page. The First Bank and Trust Company of Murphysboro ranks 103rd of 198 Illinois banks on CET1 ratio, in the lower half at 14.78% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. The First Bank and Trust Company of Murphysboro sits 4.79 points lower, at 14.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.78% |
| Tier 1 risk-based capital ratio | 14.78% |
| Total risk-based capital ratio | 16.03% |
| Tier 1 leverage ratio | 9.35% |
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 | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | $8.6M |
| Total equity capital | $6.6M |
| Risk-weighted assets | $53.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
| Equity capital to average assets | 7.73% |
| Internal capital growth rate | -1.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $319K |
| Common stock surplus | $2.4M |
| Retained earnings | $5.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | — | — | — | 8.97% | — |
| Q4 2023 | — | — | — | 9.07% | — |
| Q1 2024 | — | — | — | 8.86% | — |
| Q2 2024 | — | — | — | 8.98% | — |
| Q3 2024 | — | — | — | 9.12% | — |
| Q4 2024 | — | — | — | 8.89% | — |
| Q1 2025 | — | — | — | 8.86% | — |
| Q2 2025 | 13.82% | 13.82% | 15.07% | 8.90% | $55.8M |
| Q3 2025 | 14.19% | 14.19% | 15.44% | 9.18% | $55.4M |
| Q4 2025 | 14.07% | 14.07% | 15.32% | 9.27% | $55.9M |
| Q1 2026 | 14.38% | 14.38% | 15.54% | 9.46% | $55.4M |
| Q2 2026 | 14.78% | 14.78% | 16.03% | 9.35% | $53.7M |
The First Bank and Trust Company of Murphysboro regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank and Trust Company of Murphysboro, 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 The First Bank and Trust Company of Murphysboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3818) · FFIEC NIC profile (RSSD 303747)