First Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.58% +0.58 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $123.0M | 123,026 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.28B | 1,284,485 | RCOAA224 |
| Recomputed ratio | 9.58% | numerator / denominator | |
| Filed ratio | 9.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.58 pp | $7.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 88,205 | 83,143 | 78,118 | 78,099 | 78,081 | 74,063 | RCOAP742 |
| Retained earnings | 34,820 | 31,162 | 27,824 | 24,415 | 21,604 | 19,242 | RCOAKW00 |
| Accumulated other comprehensive income | 132 | (419) | 184 | (213) | (868) | (758) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 123,157 | 113,886 | 106,126 | 102,301 | 98,817 | 92,547 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (131) | 419 | (184) | 213 | 868 | 758 | P859 - P840 |
| Common equity Tier 1 capital | 123,026 | 114,305 | 105,942 | 102,514 | 99,685 | 93,305 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 123,026 | 114,305 | 105,942 | 102,514 | 99,685 | 93,305 | RCOA8274 |
| Tier 2 capital | NA | 11,340 | 10,693 | 9,904 | 9,599 | 9,136 | |
| Allowance includable in Tier 2 capital | NA | 11,340 | 10,693 | 9,904 | 9,599 | 9,136 | |
| Total capital | NA | 125,645 | 116,635 | 112,418 | 109,284 | 102,441 | |
| Total risk-weighted assets | NA | 1,044,003 | 968,517 | 912,032 | 853,581 | 801,447 | |
| Average total assets for the leverage ratio | 1,284,485 | 1,202,500 | 1,114,658 | 1,085,213 | 1,022,642 | 975,570 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.58% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.95% | 10.95% | 12.03% | 9.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.94% | 10.94% | 12.04% | 9.50% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.24% | 11.24% | 12.33% | 9.45% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.68% | 11.68% | 12.80% | 9.75% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.64% | 11.64% | 12.78% | 9.56% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.59% | 11.59% | 12.66% | 9.79% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.60% | 11.60% | 12.65% | 9.47% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.14% | 12.14% | 13.20% | 10.16% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.06% | 12.06% | 13.14% | 9.79% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.49% | 11.49% | 12.47% | 10.02% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.59% | 11.59% | 12.57% | 9.90% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Capital Bank (this bank) | CBLR | NA | NA | NA | 9.58% | |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| Piedmont Federal Savings Bank | $1.32B | CBLR | NA | NA | NA | 18.60% |
| Liberty National Bank | $1.32B | Risk-based | 14.38% | 14.38% | 15.47% | 10.31% |
| Farmers State Bank | $1.31B | CBLR | NA | NA | NA | 10.75% |
| HNB National Bank | $1.31B | CBLR | NA | NA | NA | 9.72% |
| Patriot Bank, N.A. | $1.32B | Risk-based | 13.22% | 13.22% | 14.15% | 9.60% |
| Alliance Bank Central Texas | $1.32B | CBLR | NA | NA | NA | 11.76% |
| Cass Commercial Bank | $1.33B | Risk-based | 17.16% | 17.16% | 18.40% | 14.10% |
| Fidelity Co-Operative Bank | $1.31B | CBLR | NA | NA | NA | 9.86% |
| Webster Five Cents Savings Bank | $1.31B | CBLR | NA | NA | NA | 12.52% |
| Peer 25th percentile | 14.09% | 14.09% | 15.14% | 9.91% | ||
| Peer median | 15.77% | 15.77% | 16.94% | 10.53% | ||
| Peer 75th percentile | 25.69% | 25.69% | 26.62% | 12.33% | ||
| This bank's percentile | NA | NA | NA | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2849463/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.