First Central Bank McCook: 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 Retained earnings: 11.9% higher than in Q1 2026, at $2.0M. First Central Bank McCook ranks 34th of 57 Nebraska banks on CET1 ratio, in the lower half at 13.11% (Q2 2026). First Central Bank McCook reported 13.11% on CET1 ratio for Q2 2026, 1.96 points below 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 | 13.11% |
| Tier 1 risk-based capital ratio | 13.11% |
| Total risk-based capital ratio | 14.37% |
| Tier 1 leverage ratio | 11.30% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | $15.2M |
| Total equity capital | $13.8M |
| Risk-weighted assets | $106.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
| Equity capital to average assets | 11.26% |
| Internal capital growth rate | 6.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $11.3M |
| Retained earnings | $2.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$52K |
| 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 | 12.01% | 12.01% | 13.27% | 10.24% | $115.6M |
| Q4 2023 | 12.01% | 12.01% | 13.26% | 10.63% | $112.3M |
| Q1 2024 | 13.35% | 13.35% | 14.61% | 11.08% | $104.2M |
| Q2 2024 | 12.34% | 12.34% | 13.59% | 11.08% | $110.3M |
| Q3 2024 | 12.49% | 12.49% | 13.75% | 11.29% | $110.8M |
| Q4 2024 | 11.06% | 11.06% | 12.32% | 9.91% | $115.5M |
| Q1 2025 | 11.93% | 11.93% | 13.14% | 9.73% | $105.2M |
| Q2 2025 | 12.54% | 12.54% | 13.80% | 9.86% | $100.7M |
| Q3 2025 | 12.45% | 12.45% | 13.70% | 10.20% | $102.5M |
| Q4 2025 | 13.69% | 13.69% | 14.94% | 10.74% | $98.5M |
| Q1 2026 | 13.94% | 13.94% | 15.20% | 10.97% | $98.1M |
| Q2 2026 | 13.11% | 13.11% | 14.37% | 11.30% | $106.0M |
First Central Bank McCook regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central Bank McCook, 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 McCook profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34995) · FFIEC NIC profile (RSSD 2726050)