First Bank & Trust Company: 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, Common equity Tier 1 ratio rose 0.67 percentage points in Q2 2026 to 20.02%, the biggest move on this page. Within Oklahoma, First Bank & Trust Company is 12th of 71 on CET1 ratio, 20.02% as of Q2 2026, above the middle of the field. First Bank & Trust Company reported 20.02% on CET1 ratio for Q2 2026, 4.95 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.02% |
| Tier 1 risk-based capital ratio | 20.02% |
| Total risk-based capital ratio | 21.27% |
| Tier 1 leverage ratio | 14.89% |
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 | $142.4M |
| Tier 1 capital | $142.4M |
| Total risk-based capital | $151.3M |
| Total equity capital | $145.3M |
| Risk-weighted assets | $711.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.26% |
| Tangible equity to tangible assets | 14.91% |
| Equity capital to average assets | 15.13% |
| Internal capital growth rate | 7.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $1.4M |
| Retained earnings | $143.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 16.32% | 16.32% | 17.58% | 13.76% | $701.8M |
| Q4 2023 | 16.44% | 16.44% | 17.69% | 13.81% | $712.9M |
| Q1 2024 | 16.83% | 16.83% | 18.09% | 13.56% | $704.6M |
| Q2 2024 | 17.20% | 17.20% | 18.45% | 13.72% | $700.4M |
| Q3 2024 | 17.66% | 17.66% | 18.92% | 14.04% | $699.0M |
| Q4 2024 | 17.10% | 17.10% | 18.35% | 12.86% | $726.5M |
| Q1 2025 | 16.04% | 16.04% | 17.30% | 12.68% | $766.9M |
| Q2 2025 | 16.80% | 16.80% | 18.05% | 13.56% | $771.3M |
| Q3 2025 | 17.31% | 17.31% | 18.57% | 13.92% | $773.3M |
| Q4 2025 | 18.59% | 18.59% | 19.85% | 14.48% | $745.9M |
| Q1 2026 | 19.35% | 19.35% | 20.60% | 14.67% | $720.9M |
| Q2 2026 | 20.02% | 20.02% | 21.27% | 14.89% | $711.3M |
First Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27394) · FFIEC NIC profile (RSSD 1228034)