First Commercial Bank (U.S.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%.
The standout move of Q2 2026 was in Equity capital to average assets: 0.96 percentage points higher than in Q1 2026, at 23.28%. Within California, First Commercial Bank (U.S.A) is 10th of 74 on CET1 ratio, 29.19% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, First Commercial Bank (U.S.A) reported 29.19% on CET1 ratio in Q2 2026, 14.12 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.19% |
| Tier 1 risk-based capital ratio | 29.19% |
| Total risk-based capital ratio | 30.44% |
| Tier 1 leverage ratio | 23.27% |
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 | $195.7M |
| Tier 1 capital | $195.7M |
| Total risk-based capital | $204.1M |
| Total equity capital | $195.8M |
| Risk-weighted assets | $670.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.04% |
| Tangible equity to tangible assets | 23.04% |
| Equity capital to average assets | 23.28% |
| Internal capital growth rate | 4.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $70.0M |
| Common stock surplus | $0 |
| Retained earnings | $125.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $74K |
| 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 | 27.16% | 27.16% | 28.42% | 21.65% | $619.7M |
| Q4 2023 | 28.02% | 28.02% | 29.28% | 21.85% | $611.0M |
| Q1 2024 | 28.25% | 28.25% | 29.51% | 21.58% | $616.8M |
| Q2 2024 | 29.32% | 29.32% | 30.58% | 21.80% | $604.2M |
| Q3 2024 | 29.41% | 29.41% | 30.67% | 22.38% | $611.7M |
| Q4 2024 | 30.42% | 30.42% | 31.68% | 22.07% | $600.0M |
| Q1 2025 | 31.10% | 31.10% | 32.36% | 22.57% | $594.1M |
| Q2 2025 | 30.97% | 30.97% | 32.22% | 22.97% | $603.8M |
| Q3 2025 | 30.13% | 30.13% | 31.39% | 22.85% | $628.0M |
| Q4 2025 | 29.67% | 29.67% | 30.93% | 23.12% | $643.7M |
| Q1 2026 | 29.45% | 29.45% | 30.71% | 22.32% | $657.4M |
| Q2 2026 | 29.19% | 29.19% | 30.44% | 23.27% | $670.5M |
First Commercial Bank (U.S.A) regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commercial Bank (U.S.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 (U.S.A) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34496) · FFIEC NIC profile (RSSD 2332910)