First Bank of the Lake: 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.0% to $65.0M. Within Missouri, First Bank of the Lake is 31st of 98 on CET1 ratio, 15.90% as of Q2 2026, above the middle of the field. First Bank of the Lake reported 15.90% on CET1 ratio for Q2 2026, 2.42 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.90% |
| Tier 1 risk-based capital ratio | 15.90% |
| Total risk-based capital ratio | 17.16% |
| Tier 1 leverage ratio | 7.08% |
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 | $166.0M |
| Tier 1 capital | $166.0M |
| Total risk-based capital | $179.0M |
| Total equity capital | $170.0M |
| Risk-weighted assets | $1.04B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.28% |
| Tangible equity to tangible assets | 7.11% |
| Equity capital to average assets | 7.24% |
| Internal capital growth rate | 4.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $104.1M |
| Retained earnings | $65.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$261K |
| 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 | 19.09% | 19.09% | 19.80% | 10.00% | $374.5M |
| Q4 2023 | 16.01% | 16.01% | 16.60% | 8.33% | $471.5M |
| Q1 2024 | 15.88% | 15.88% | 16.50% | 8.55% | $561.6M |
| Q2 2024 | 15.80% | 15.80% | 16.48% | 8.17% | $634.9M |
| Q3 2024 | 14.48% | 14.48% | 15.38% | 7.30% | $702.1M |
| Q4 2024 | 14.62% | 14.62% | 15.66% | 7.36% | $757.5M |
| Q1 2025 | 15.71% | 15.71% | 16.96% | 7.58% | $783.8M |
| Q2 2025 | 15.86% | 15.86% | 17.08% | 7.58% | $854.8M |
| Q3 2025 | 16.63% | 16.63% | 17.88% | 8.03% | $917.5M |
| Q4 2025 | 15.72% | 15.72% | 16.97% | 7.57% | $999.1M |
| Q1 2026 | 15.96% | 15.96% | 17.22% | 7.30% | $1.04B |
| Q2 2026 | 15.90% | 15.90% | 17.16% | 7.08% | $1.04B |
First Bank of the Lake regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of the Lake, 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 the Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26960) · FFIEC NIC profile (RSSD 758851)