The 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.6% higher than in Q1 2026, at -$2.1M. Within Virginia, The First Bank and Trust Company is 38th of 44 on CET1 ratio, 12.58% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The First Bank and Trust Company sits 0.90 points lower, at 12.58% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.83% |
| Tier 1 leverage ratio | 10.07% |
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 | $423.8M |
| Tier 1 capital | $423.8M |
| Total risk-based capital | $466.0M |
| Total equity capital | $422.6M |
| Risk-weighted assets | $3.37B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.88% |
| Tangible equity to tangible assets | 9.86% |
| Equity capital to average assets | 10.04% |
| Internal capital growth rate | 14.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.4M |
| Common stock surplus | $15.8M |
| Retained earnings | $404.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.71% | 12.71% | 13.96% | 10.23% | $2.55B |
| Q4 2023 | 12.61% | 12.61% | 13.87% | 10.25% | $2.63B |
| Q1 2024 | 12.46% | 12.46% | 13.71% | 10.22% | $2.72B |
| Q2 2024 | 12.22% | 12.22% | 13.47% | 10.01% | $2.85B |
| Q3 2024 | 12.34% | 12.34% | 13.59% | 9.87% | $2.90B |
| Q4 2024 | 12.32% | 12.32% | 13.58% | 9.76% | $2.98B |
| Q1 2025 | 12.48% | 12.48% | 13.73% | 9.81% | $3.02B |
| Q2 2025 | 12.22% | 12.22% | 13.47% | 9.83% | $3.16B |
| Q3 2025 | 12.41% | 12.41% | 13.66% | 9.83% | $3.20B |
| Q4 2025 | 12.71% | 12.71% | 13.97% | 9.85% | $3.20B |
| Q1 2026 | 12.62% | 12.62% | 13.87% | 10.03% | $3.30B |
| Q2 2026 | 12.58% | 12.58% | 13.83% | 10.07% | $3.37B |
The 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 The 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 The First Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22918) · FFIEC NIC profile (RSSD 223322)