First Bank of Ohio: 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%.
Equity capital to average assets climbed 1.77 percentage points in Q2 2026, from 33.65% to 35.42%. It was the largest change from Q1 2026 among the key lines here.
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 | 35.51% |
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 | $100.6M |
| Tier 1 capital | $100.6M |
| Total risk-based capital | — |
| Total equity capital | $100.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 36.03% |
| Tangible equity to tangible assets | 36.03% |
| Equity capital to average assets | 35.42% |
| Internal capital growth rate | 5.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $2.3M |
| Retained earnings | $97.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$262K |
| 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 | 28.60% | 28.38% | 28.38% |
| Q4 2023 | 28.58% | 27.95% | 27.95% |
| Q1 2024 | 28.95% | 28.32% | 28.32% |
| Q2 2024 | 29.10% | 28.76% | 28.76% |
| Q3 2024 | 29.43% | 29.36% | 29.36% |
| Q4 2024 | 30.52% | 31.69% | 31.69% |
| Q1 2025 | 32.62% | 32.18% | 32.18% |
| Q2 2025 | 33.47% | 33.69% | 33.69% |
| Q3 2025 | 33.28% | 32.44% | 32.44% |
| Q4 2025 | 32.53% | 32.69% | 32.69% |
| Q1 2026 | 33.77% | 34.42% | 34.42% |
| Q2 2026 | 35.51% | 36.03% | 36.03% |
First Bank of Ohio regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Ohio, 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 Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9450) · FFIEC NIC profile (RSSD 586027)