First Choice 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 9.52% +0.52 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 | $52.9M | 52,869 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $555.1M | 555,080 | RCOAA224 |
| Recomputed ratio | 9.52% | numerator / denominator | |
| Filed ratio | 9.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.52 pp | $2.9M | 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 | 21,330 | 21,330 | 21,330 | 21,330 | 21,330 | 21,330 | RCOAP742 |
| Retained earnings | 32,036 | 30,682 | 31,001 | 32,225 | 31,123 | 29,871 | RCOAKW00 |
| Accumulated other comprehensive income | (7,433) | (7,886) | (7,309) | (7,757) | (9,470) | (10,267) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 45,933 | 44,126 | 45,022 | 45,798 | 42,983 | 40,934 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,936 | 7,389 | 6,812 | 7,260 | 8,970 | 9,761 | P859 - P840 |
| Common equity Tier 1 capital | 52,869 | 51,515 | 51,834 | 53,058 | 51,953 | 50,695 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 52,869 | 51,515 | 51,834 | 53,058 | 51,953 | 50,695 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 555,080 | 539,373 | 506,661 | 499,323 | 500,133 | 498,888 | 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 | 9.52% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.23% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.39% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.16% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.33% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.32% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.43% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.71% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.23% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Choice Bank (this bank) | CBLR | NA | NA | NA | 9.52% | |
| United Mississippi Bank | $560.7M | CBLR | NA | NA | NA | 11.04% |
| West Point Bank | $560.6M | Risk-based | 11.73% | 11.73% | 12.30% | 8.55% |
| CBBC Bank | $562.1M | Risk-based | 21.06% | 21.06% | 22.31% | 14.22% |
| Kodabank | $559.8M | CBLR | NA | NA | NA | 10.28% |
| Tristar Bank | $562.7M | Risk-based | 11.79% | 11.79% | 12.49% | 9.85% |
| Jonah Bank of Wyoming | $562.8M | CBLR | NA | NA | NA | 9.59% |
| Home Federal Savings and Loan Association of Grand Island | $562.9M | Risk-based | 16.38% | 16.38% | 17.63% | 13.38% |
| Bank of Belleville | $562.9M | Risk-based | 11.16% | 11.16% | 12.13% | 8.37% |
| First Bank | $562.9M | CBLR | NA | NA | NA | 12.96% |
| Peer 25th percentile | 11.73% | 11.73% | 12.30% | 9.59% | ||
| Peer median | 11.79% | 11.79% | 12.49% | 10.28% | ||
| Peer 75th percentile | 16.38% | 16.38% | 17.63% | 12.96% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/968744/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.