First Carolina 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%.
The standout move of Q2 2026 was in Tangible equity to tangible assets: 1.34 percentage points higher than in Q1 2026, at 11.59%. Within North Carolina, First Carolina Bank is 20th of 26 on CET1 ratio, 12.88% as of Q2 2026, below the middle of the field. First Carolina Bank reported 12.88% on CET1 ratio for Q2 2026, 0.60 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 13.72% |
| Tier 1 leverage ratio | 11.36% |
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 | $377.2M |
| Tier 1 capital | $377.2M |
| Total risk-based capital | $401.8M |
| Total equity capital | $455.6M |
| Risk-weighted assets | $2.93B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.38% |
| Tangible equity to tangible assets | 11.59% |
| Equity capital to average assets | 13.40% |
| Internal capital growth rate | 5.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $329.9M |
| Common stock surplus | $0 |
| Retained earnings | $126.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$330K |
| 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 | 11.70% | 11.70% | 12.67% | 13.13% | $2.73B |
| Q4 2023 | 11.42% | 11.42% | 12.35% | 12.47% | $2.85B |
| Q1 2024 | 11.26% | 11.26% | 12.12% | 11.56% | $2.95B |
| Q2 2024 | 11.10% | 11.10% | 11.94% | 11.85% | $3.05B |
| Q3 2024 | 11.31% | 11.31% | 12.13% | 11.56% | $3.05B |
| Q4 2024 | 13.08% | 13.08% | 13.91% | 12.85% | $2.99B |
| Q1 2025 | 10.65% | 10.65% | 11.50% | 10.27% | $2.98B |
| Q2 2025 | 10.72% | 10.72% | 11.54% | 10.10% | $3.03B |
| Q3 2025 | 10.92% | 10.92% | 11.84% | 9.23% | $2.92B |
| Q4 2025 | 11.21% | 11.21% | 12.06% | 9.68% | $2.90B |
| Q1 2026 | 11.55% | 11.55% | 12.39% | 10.04% | $2.89B |
| Q2 2026 | 12.88% | 12.88% | 13.72% | 11.36% | $2.93B |
First Carolina Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Carolina 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 Carolina Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35530) · FFIEC NIC profile (RSSD 2963266)