First City 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 95.11% +86.11 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 | $21.2M | 21,162 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $22.2M | 22,249 | RCOAA224 |
| Recomputed ratio | 95.11% | numerator / denominator | |
| Filed ratio | 95.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +86.11 pp | $19.2M | 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 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 21,990 | RCOAP742 |
| Retained earnings | (365) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 21,625 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (463) | P859 - P840 |
| Common equity Tier 1 capital | 21,162 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 21,162 | RCOA8274 |
| Tier 2 capital | NA | |
| Allowance includable in Tier 2 capital | NA | |
| Total capital | NA | |
| Average total assets for the leverage ratio | 22,249 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
1 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 | 95.11% | 22.08% | 22.08% | 23.06% | 13.06% |
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 City Bank (this bank) | CBLR | NA | NA | NA | 95.11% | |
| Sainte Marie State Bank | $23.0M | CBLR | NA | NA | NA | 16.45% |
| Peoples Bank of Macon | $22.7M | CBLR | NA | NA | NA | 13.57% |
| The First National Bank of Fletcher | $23.4M | CBLR | NA | NA | NA | 9.93% |
| Dickinson County Bank | $23.4M | CBLR | NA | NA | NA | 13.71% |
| MT. Victory State Bank | $23.4M | CBLR | NA | NA | NA | 10.44% |
| Peoples State Bank | $23.5M | CBLR | NA | NA | NA | 19.83% |
| First Federal Savings and Loan Association | $22.4M | CBLR | NA | NA | NA | 21.82% |
| Chilton Trust Company, N.A. | $22.4M | Risk-based | 210.37% | 210.37% | 210.37% | 73.71% |
| First State Bank of Swanville | $23.8M | Risk-based | 26.71% | 26.71% | 27.89% | 18.14% |
| The Citizens National Bank of Hammond | $23.9M | Risk-based | 13.85% | 13.85% | 14.60% | 7.92% |
| Peer 25th percentile | 20.28% | 20.28% | 21.24% | 11.22% | ||
| Peer median | 26.71% | 26.71% | 27.89% | 15.08% | ||
| Peer 75th percentile | 118.54% | 118.54% | 119.13% | 19.41% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/6125996/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.