First Bank of Alabama: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.35% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.35% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.37% +6.87 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $132.9M | 132,931 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $994.1M | 994,099 | RCOAA223 |
| Recomputed ratio | 13.37% | numerator / denominator | |
| Filed ratio | 13.37% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.87 pp | $68.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.37% +5.37 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $132.9M | 132,931 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $994.1M | 994,099 | RCOAA223 |
| Recomputed ratio | 13.37% | numerator / denominator | |
| Filed ratio | 13.37% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.37 pp | $53.4M | capital that could be lost first |
Total risk-based capital ratio 14.35% +4.35 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $142.7M | 142,688 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $994.1M | 994,099 | RCOAA223 |
| Recomputed ratio | 14.35% | numerator / denominator | |
| Filed ratio | 14.35% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.35 pp | $43.3M | capital that could be lost first |
Tier 1 leverage ratio 9.82% +4.82 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $132.9M | 132,931 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.35B | 1,354,229 | RCOAA224 |
| Recomputed ratio | 9.82% | numerator / denominator | |
| Filed ratio | 9.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.82 pp | $65.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 50,112 | 50,112 | 31,097 | 31,097 | 31,097 | 31,097 | RCOAP742 |
| Retained earnings | 95,078 | 92,437 | 98,289 | 97,256 | 89,751 | 88,005 | RCOAKW00 |
| Accumulated other comprehensive income | (33,084) | (36,082) | (34,874) | (36,914) | (41,019) | (38,525) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 112,106 | 106,467 | 94,512 | 91,439 | 79,829 | 80,577 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 20,825 | 24,769 | 28,035 | 30,004 | 34,038 | 31,475 | P859 - P840 |
| Common equity Tier 1 capital | 132,931 | 131,236 | 122,547 | 121,443 | 113,867 | 112,052 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 132,931 | 131,236 | 122,547 | 121,443 | 113,867 | 112,052 | RCOA8274 |
| Tier 2 capital | 9,757 | 10,959 | 9,856 | 9,606 | 8,085 | 8,403 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,757 | 10,959 | 9,856 | 9,606 | 8,085 | 8,403 | RCOA5310 |
| Total capital | 142,688 | 142,195 | 132,403 | 131,049 | 121,952 | 120,455 | RCOA3792 |
| Total risk-weighted assets | 994,099 | 1,053,805 | 878,327 | 888,157 | 848,597 | 846,779 | RCOAA223 |
| Average total assets for the leverage ratio | 1,354,229 | 1,232,700 | 1,158,426 | 1,099,235 | 1,103,356 | 1,114,999 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $89.8M | $7.9M | 8.83% | 0.80% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $373.2M | $119.5M | 32.03% | 12.02% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $23.4M | $4.7M | 20.00% | 0.47% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $194.5M | $118.3M | 60.84% | 11.90% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $27.5M | $27.5M | 100.00% | 2.77% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $587.7M | $580.3M | 98.73% | 58.37% | RC-R Part II, item 4.d, 5.d |
| All other assets | $109.2M | $106.5M | 97.52% | 10.71% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $29.4M | $29.4M | 100.00% | 2.96% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $3.4M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $500 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $994.1M | ties to item 31 ($994.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $994.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $994.1M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.37% | 13.37% | 14.35% | 9.82% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.45% | 12.45% | 13.49% | 10.65% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.95% | 13.95% | 15.07% | 10.58% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.67% | 13.67% | 14.76% | 11.05% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.42% | 13.42% | 14.37% | 10.32% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.23% | 13.23% | 14.23% | 10.05% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.83% | 12.83% | 14.08% | 9.90% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.07% | 13.07% | 14.32% | 10.08% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.22% | 12.22% | 13.47% | 9.85% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.12% | 12.12% | 13.38% | 9.89% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.16% | 12.16% | 13.42% | 10.08% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.65% | 12.65% | 13.91% | 9.89% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Bank of Alabama (this bank) | Risk-based | 13.37% | 13.37% | 14.35% | 9.82% | |
| Southpoint Bank | $1.36B | Risk-based | 8.91% | 8.91% | 10.18% | 6.86% |
| Century Bank | $1.36B | Risk-based | 12.85% | 12.85% | 13.91% | 10.25% |
| FM Bank and Trust | $1.36B | Risk-based | 10.42% | 10.42% | 11.67% | 8.62% |
| Rosedale Bank | $1.36B | CBLR | NA | NA | NA | 18.61% |
| County National Bank | $1.36B | Risk-based | 11.01% | 11.01% | 12.16% | 9.34% |
| Idaho First Bank | $1.36B | Risk-based | 14.00% | 14.00% | 15.17% | 10.47% |
| Truxton Trust Company | $1.37B | Risk-based | 14.02% | 14.02% | 14.92% | 9.27% |
| Ballston Spa National Bank | $1.37B | Risk-based | 12.52% | 12.52% | 14.66% | 8.74% |
| Southstar Bank, S.S.B. | $1.37B | CBLR | NA | NA | NA | 13.28% |
| Fortis Bank | $1.35B | Risk-based | 12.04% | 12.04% | 13.13% | 8.96% |
| Peer 25th percentile | 10.86% | 10.86% | 12.04% | 8.80% | ||
| Peer median | 12.28% | 12.28% | 13.52% | 9.30% | ||
| Peer 75th percentile | 13.14% | 13.14% | 14.72% | 10.42% | ||
| This bank's percentile | 75 | 75 | 62 | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/257233/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.