First Central 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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.2% between Q1 2026 and Q2 2026, to $6.1M. Within Nebraska, First Central Bank is 28th of 57 on CET1 ratio, 13.77% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Central Bank sits 1.30 points lower, at 13.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 11.59% |
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 | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | $17.4M |
| Total equity capital | $15.9M |
| Risk-weighted assets | $115.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 11.55% |
| Equity capital to average assets | 11.57% |
| Internal capital growth rate | 3.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $9.7M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29K |
| 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 | 11.62% | 11.62% | 12.87% | 10.56% | $118.9M |
| Q4 2023 | 11.47% | 11.47% | 12.72% | 10.82% | $122.0M |
| Q1 2024 | 12.43% | 12.43% | 13.68% | 11.02% | $116.0M |
| Q2 2024 | 12.06% | 12.06% | 13.31% | 11.29% | $123.2M |
| Q3 2024 | 12.53% | 12.53% | 13.79% | 11.60% | $120.0M |
| Q4 2024 | 11.79% | 11.79% | 13.04% | 11.51% | $129.5M |
| Q1 2025 | 12.09% | 12.09% | 13.06% | 11.07% | $122.3M |
| Q2 2025 | 12.34% | 12.34% | 13.41% | 10.64% | $120.9M |
| Q3 2025 | 12.14% | 12.14% | 13.34% | 10.97% | $126.3M |
| Q4 2025 | 13.41% | 13.41% | 14.55% | 10.94% | $117.1M |
| Q1 2026 | 13.77% | 13.77% | 15.00% | 11.35% | $114.8M |
| Q2 2026 | 13.77% | 13.77% | 15.00% | 11.59% | $115.8M |
First Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10637) · FFIEC NIC profile (RSSD 134156)