First Bank of Utica: 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 total assets rose 0.32 percentage points from Q1 2026 to Q2 2026, ending at 14.32% against 14.00%. It was the largest change among the key lines 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 | 14.27% |
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 | $11.1M |
| Tier 1 capital | $11.1M |
| Total risk-based capital | — |
| Total equity capital | $11.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.32% |
| Tangible equity to tangible assets | 14.32% |
| Equity capital to average assets | 14.27% |
| Internal capital growth rate | 5.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $30K |
| Common stock surplus | $9.9M |
| Retained earnings | $1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 12.81% | 12.75% | 12.75% |
| Q4 2023 | 13.56% | 13.46% | 13.46% |
| Q1 2024 | 13.19% | 13.06% | 13.06% |
| Q2 2024 | 13.59% | 13.61% | 13.61% |
| Q3 2024 | 14.02% | 13.80% | 13.80% |
| Q4 2024 | 14.70% | 15.18% | 15.18% |
| Q1 2025 | 14.15% | 13.74% | 13.74% |
| Q2 2025 | 13.87% | 13.83% | 13.83% |
| Q3 2025 | 14.37% | 14.50% | 14.50% |
| Q4 2025 | 14.77% | 13.86% | 13.86% |
| Q1 2026 | 14.12% | 14.00% | 14.00% |
| Q2 2026 | 14.27% | 14.32% | 14.32% |
First Bank of Utica regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Utica, 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 Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14281) · FFIEC NIC profile (RSSD 391959)