First Bank of Alabama: 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%.
Accumulated other comprehensive income climbed 8.3% in Q2 2026, from -$36.1M to -$33.1M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First Bank of Alabama is 21st of 36 on CET1 ratio, 13.37% as of Q2 2026, below the middle of the field. At 13.37%, First Bank of Alabama's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.37% |
| Tier 1 risk-based capital ratio | 13.37% |
| Total risk-based capital ratio | 14.35% |
| Tier 1 leverage ratio | 9.82% |
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 | $132.9M |
| Tier 1 capital | $132.9M |
| Total risk-based capital | $142.7M |
| Total equity capital | $112.1M |
| Risk-weighted assets | $994.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.23% |
| Tangible equity to tangible assets | 7.40% |
| Equity capital to average assets | 8.20% |
| Internal capital growth rate | 9.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $48.9M |
| Retained earnings | $95.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33.1M |
| 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 | 12.65% | 12.65% | 13.91% | 9.89% | $766.9M |
| Q4 2023 | 12.16% | 12.16% | 13.42% | 10.08% | $795.8M |
| Q1 2024 | 12.12% | 12.12% | 13.38% | 9.89% | $817.4M |
| Q2 2024 | 12.22% | 12.22% | 13.47% | 9.85% | $837.1M |
| Q3 2024 | 13.07% | 13.07% | 14.32% | 10.08% | $831.1M |
| Q4 2024 | 12.83% | 12.83% | 14.08% | 9.90% | $852.9M |
| Q1 2025 | 13.23% | 13.23% | 14.23% | 10.05% | $846.8M |
| Q2 2025 | 13.42% | 13.42% | 14.37% | 10.32% | $848.6M |
| Q3 2025 | 13.67% | 13.67% | 14.76% | 11.05% | $888.2M |
| Q4 2025 | 13.95% | 13.95% | 15.07% | 10.58% | $878.3M |
| Q1 2026 | 12.45% | 12.45% | 13.49% | 10.65% | $1.05B |
| Q2 2026 | 13.37% | 13.37% | 14.35% | 9.82% | $994.1M |
First Bank of Alabama regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2832) · FFIEC NIC profile (RSSD 257233)