First Bank of Manhattan: 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, Equity capital to average assets rose 0.37 percentage points in Q2 2026 to 9.93%, the biggest move on this page. Within Illinois, First Bank of Manhattan is 52nd of 198 on CET1 ratio, 19.26% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Bank of Manhattan sits 4.19 points higher, at 19.26% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.26% |
| Tier 1 risk-based capital ratio | 19.26% |
| Total risk-based capital ratio | 20.51% |
| Tier 1 leverage ratio | 10.16% |
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 | $26.3M |
| Tier 1 capital | $26.3M |
| Total risk-based capital | $28.1M |
| Total equity capital | $25.8M |
| Risk-weighted assets | $136.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 13.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $2.4M |
| Retained earnings | $23.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$583K |
| 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 | 17.50% | 17.50% | 18.65% | 8.87% | $125.8M |
| Q4 2023 | 17.12% | 17.12% | 18.27% | 8.83% | $130.0M |
| Q1 2024 | 16.82% | 16.82% | 17.95% | 9.28% | $133.1M |
| Q2 2024 | 17.49% | 17.49% | 18.64% | 9.35% | $130.2M |
| Q3 2024 | 17.54% | 17.54% | 18.70% | 9.05% | $132.1M |
| Q4 2024 | 18.21% | 18.21% | 19.39% | 8.80% | $129.9M |
| Q1 2025 | 18.47% | 18.47% | 19.67% | 9.24% | $129.7M |
| Q2 2025 | 18.76% | 18.76% | 19.97% | 9.34% | $128.8M |
| Q3 2025 | 18.50% | 18.50% | 19.70% | 9.11% | $132.1M |
| Q4 2025 | 19.10% | 19.10% | 20.30% | 9.13% | $130.9M |
| Q1 2026 | 19.07% | 19.07% | 20.26% | 9.81% | $133.8M |
| Q2 2026 | 19.26% | 19.26% | 20.51% | 10.16% | $136.8M |
First Bank of Manhattan regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Manhattan, 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 Manhattan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3702) · FFIEC NIC profile (RSSD 238139)