First Bank of Thomas: 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 Q2 2026, Equity capital to total assets rose 0.66 percentage points in Q3 2026 to 12.48%, the biggest move on this page. On CET1 ratio, First Bank of Thomas ranks 4th highest among the 71 banks headquartered in Oklahoma, at 28.64% (Q3 2026). The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. First Bank of Thomas sits 9.31 points higher, at 28.81% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.81% |
| Tier 1 risk-based capital ratio | 28.81% |
| Total risk-based capital ratio | 30.07% |
| Tier 1 leverage ratio | 13.04% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | $8.5M |
| Total equity capital | $7.5M |
| Risk-weighted assets | $28.2M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.48% |
| Tangible equity to tangible assets | 12.48% |
| Equity capital to average assets | 12.10% |
| Internal capital growth rate | 8.83% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $500K |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$584K |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 33.45% | 33.45% | 34.71% | 16.31% | $24.5M |
| Q1 2024 | 29.97% | 29.97% | 31.23% | 15.58% | $25.6M |
| Q2 2024 | 30.91% | 30.91% | 32.16% | 15.10% | $25.4M |
| Q3 2024 | 31.39% | 31.39% | 32.64% | 15.73% | $25.5M |
| Q4 2024 | 32.20% | 32.20% | 33.46% | 16.04% | $25.1M |
| Q1 2025 | 30.48% | 30.48% | 31.74% | 14.97% | $25.5M |
| Q2 2025 | 30.51% | 30.51% | 31.77% | 14.58% | $26.0M |
| Q3 2025 | 28.63% | 28.63% | 29.88% | 15.12% | $28.4M |
| Q4 2025 | 28.65% | 28.65% | 29.91% | 15.15% | $29.0M |
| Q1 2026 | 26.60% | 26.60% | 27.86% | 13.83% | $29.3M |
| Q2 2026 | 28.64% | 28.64% | 29.90% | 12.63% | $27.8M |
| Q3 2026 | 28.81% | 28.81% | 30.07% | 13.04% | $28.2M |
First Bank of Thomas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Thomas, 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 Thomas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4209) · FFIEC NIC profile (RSSD 328058)