First Capital Bank: 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%.
Retained earnings climbed 11.7% in Q2 2026, from $31.2M to $34.8M. 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 | 9.58% |
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 | $123.0M |
| Tier 1 capital | $123.0M |
| Total risk-based capital | — |
| Total equity capital | $123.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.59% |
| Internal capital growth rate | 12.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $85.9M |
| Retained earnings | $34.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $132K |
| 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 | 11.59% | 11.59% | 12.57% | 9.90% | $629.2M |
| Q4 2023 | 11.49% | 11.49% | 12.47% | 10.02% | $665.2M |
| Q1 2024 | 12.06% | 12.06% | 13.14% | 9.79% | $642.1M |
| Q2 2024 | 12.14% | 12.14% | 13.20% | 10.16% | $689.7M |
| Q3 2024 | 11.60% | 11.60% | 12.65% | 9.47% | $736.1M |
| Q4 2024 | 11.59% | 11.59% | 12.66% | 9.79% | $786.9M |
| Q1 2025 | 11.64% | 11.64% | 12.78% | 9.56% | $801.4M |
| Q2 2025 | 11.68% | 11.68% | 12.80% | 9.75% | $853.6M |
| Q3 2025 | 11.24% | 11.24% | 12.33% | 9.45% | $912.0M |
| Q4 2025 | 10.94% | 10.94% | 12.04% | 9.50% | $968.5M |
| Q1 2026 | 10.95% | 10.95% | 12.03% | 9.51% | $1.04B |
| Q2 2026 | — | — | — | 9.58% | — |
First Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital Bank, 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34966) · FFIEC NIC profile (RSSD 2849463)