First Century Bank, N.A.: 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%.
Equity capital to average assets climbed 4.17 percentage points in Q2 2026, from 12.06% to 16.23%. 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 | 16.84% |
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 | $139.5M |
| Tier 1 capital | $139.5M |
| Total risk-based capital | — |
| Total equity capital | $134.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.18% |
| Tangible equity to tangible assets | 16.13% |
| Equity capital to average assets | 16.23% |
| Internal capital growth rate | 7.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $89.2M |
| Retained earnings | $47.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 17.00% | 16.83% | 16.64% |
| Q4 2023 | 18.17% | 12.34% | 12.21% |
| Q1 2024 | 11.34% | 16.32% | 16.17% |
| Q2 2024 | 18.49% | 18.34% | 18.18% |
| Q3 2024 | 19.49% | 20.13% | 19.98% |
| Q4 2024 | 19.06% | 12.27% | 12.17% |
| Q1 2025 | 13.10% | 12.84% | 12.76% |
| Q2 2025 | 13.42% | 13.43% | 13.35% |
| Q3 2025 | 17.43% | 17.27% | 17.20% |
| Q4 2025 | 16.66% | 13.24% | 13.19% |
| Q1 2026 | 12.42% | 15.41% | 15.36% |
| Q2 2026 | 16.84% | 16.18% | 16.13% |
First Century Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Century Bank, N.A., 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 Century Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57123) · FFIEC NIC profile (RSSD 2997748)