First Bank of Boaz: 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 5.0% in Q2 2026 to -$22.7M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.66% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $51.6M |
| Tier 1 capital | $51.6M |
| Total risk-based capital | — |
| Total equity capital | $29.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.07% |
| Tangible equity to tangible assets | 12.07% |
| Equity capital to average assets | 11.03% |
| Internal capital growth rate | -5.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $80K |
| Common stock surplus | $1.5M |
| Retained earnings | $50.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 20.55% | 6.76% | 6.76% |
| Q4 2023 | 21.62% | 10.65% | 10.65% |
| Q1 2024 | 20.75% | 9.75% | 9.75% |
| Q2 2024 | 20.65% | 10.01% | 10.01% |
| Q3 2024 | 20.28% | 12.13% | 12.13% |
| Q4 2024 | 21.06% | 9.88% | 9.88% |
| Q1 2025 | 18.93% | 10.18% | 10.18% |
| Q2 2025 | 19.00% | 10.26% | 10.26% |
| Q3 2025 | 19.33% | 11.51% | 11.51% |
| Q4 2025 | 19.88% | 12.41% | 12.41% |
| Q1 2026 | 19.98% | 11.85% | 11.85% |
| Q2 2026 | 19.66% | 12.07% | 12.07% |
First Bank of Boaz regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Boaz, 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 Boaz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2784) · FFIEC NIC profile (RSSD 533535)