First Colony Bank of Florida: 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: 20.7% higher than in Q1 2026, at -$1.8M. First Colony Bank of Florida ranks 37th of 56 Florida banks on CET1 ratio, in the lower half at 13.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Colony Bank of Florida sits 1.75 points lower, at 13.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.32% |
| Tier 1 risk-based capital ratio | 13.32% |
| Total risk-based capital ratio | 14.58% |
| Tier 1 leverage ratio | 9.94% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $32.1M |
| Total equity capital | $27.6M |
| Risk-weighted assets | $220.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.46% |
| Tangible equity to tangible assets | 9.46% |
| Equity capital to average assets | 9.32% |
| Internal capital growth rate | 5.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.3M |
| Common stock surplus | $10.6M |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 13.19% | 13.19% | 14.45% | 9.27% | $195.9M |
| Q4 2023 | 12.42% | 12.42% | 13.67% | 9.56% | $210.9M |
| Q1 2024 | 12.61% | 12.61% | 13.87% | 8.73% | $207.4M |
| Q2 2024 | 12.10% | 12.10% | 13.36% | 8.48% | $219.7M |
| Q3 2024 | 11.91% | 11.91% | 13.16% | 8.66% | $225.5M |
| Q4 2024 | 12.37% | 12.37% | 13.62% | 8.54% | $221.8M |
| Q1 2025 | 12.00% | 12.00% | 13.25% | 9.06% | $229.0M |
| Q2 2025 | 12.19% | 12.19% | 13.44% | 9.42% | $228.9M |
| Q3 2025 | 12.93% | 12.93% | 14.19% | 9.74% | $218.8M |
| Q4 2025 | 13.50% | 13.50% | 14.76% | 9.93% | $210.7M |
| Q1 2026 | 12.89% | 12.89% | 14.14% | 9.86% | $221.6M |
| Q2 2026 | 13.32% | 13.32% | 14.58% | 9.94% | $220.4M |
First Colony Bank of Florida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Colony Bank of Florida, 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 Colony Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58644) · FFIEC NIC profile (RSSD 3688548)