First Commercial 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 5.8% in Q2 2026 to -$2.6M, the biggest move on this page. Within Texas, First Commercial Bank, N.A. is 69th of 184 on CET1 ratio, 19.05% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Commercial Bank, N.A. sits 3.98 points higher, at 19.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.05% |
| Tier 1 risk-based capital ratio | 19.05% |
| Total risk-based capital ratio | 20.30% |
| Tier 1 leverage ratio | 10.25% |
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 | $57.1M |
| Tier 1 capital | $57.1M |
| Total risk-based capital | $60.9M |
| Total equity capital | $57.5M |
| Risk-weighted assets | $299.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.16% |
| Tangible equity to tangible assets | 9.91% |
| Equity capital to average assets | 10.26% |
| Internal capital growth rate | 7.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $486K |
| Common stock surplus | $27.0M |
| Retained earnings | $32.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 14.33% | 14.33% | 15.58% | 9.12% | $337.5M |
| Q4 2023 | 14.68% | 14.68% | 15.93% | 9.68% | $333.2M |
| Q1 2024 | 14.65% | 14.65% | 15.90% | 9.94% | $333.9M |
| Q2 2024 | 15.10% | 15.10% | 16.35% | 9.95% | $327.8M |
| Q3 2024 | 15.52% | 15.52% | 16.78% | 9.88% | $320.9M |
| Q4 2024 | 16.45% | 16.45% | 17.71% | 9.93% | $313.9M |
| Q1 2025 | 16.97% | 16.97% | 18.23% | 10.11% | $308.9M |
| Q2 2025 | 17.31% | 17.31% | 18.57% | 9.91% | $306.7M |
| Q3 2025 | 17.42% | 17.42% | 18.67% | 9.98% | $310.1M |
| Q4 2025 | 18.00% | 18.00% | 19.25% | 10.09% | $306.2M |
| Q1 2026 | 18.14% | 18.14% | 19.39% | 10.15% | $309.4M |
| Q2 2026 | 19.05% | 19.05% | 20.30% | 10.25% | $299.9M |
First Commercial Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commercial 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 Commercial Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24603) · FFIEC NIC profile (RSSD 400365)