First Citizens Community 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 Accumulated other comprehensive income: 9.0% higher than in Q1 2026, at -$13.6M.
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 | 9.64% |
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 | $289.8M |
| Tier 1 capital | $289.8M |
| Total risk-based capital | — |
| Total equity capital | $361.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.35% |
| Tangible equity to tangible assets | 8.86% |
| Equity capital to average assets | 11.71% |
| Internal capital growth rate | 8.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $906K |
| Common stock surplus | $143.9M |
| Retained earnings | $230.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.6M |
| 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 | — | — | — | 8.64% | — |
| Q4 2023 | — | — | — | 8.54% | — |
| Q1 2024 | 10.96% | 10.96% | 11.90% | 8.74% | $2.33B |
| Q2 2024 | 10.87% | 10.87% | 11.85% | 8.88% | $2.36B |
| Q3 2024 | 10.84% | 10.84% | 11.75% | 8.96% | $2.41B |
| Q4 2024 | 11.08% | 11.08% | 11.99% | 8.99% | $2.39B |
| Q1 2025 | — | — | — | 9.06% | — |
| Q2 2025 | — | — | — | 9.22% | — |
| Q3 2025 | — | — | — | 9.44% | — |
| Q4 2025 | — | — | — | 9.54% | — |
| Q1 2026 | — | — | — | 9.33% | — |
| Q2 2026 | — | — | — | 9.64% | — |
First Citizens Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens Community 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 Citizens Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7593) · FFIEC NIC profile (RSSD 978118)