First 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.4% to $101.6M. First Community Bank ranks 21st of 30 South Carolina banks on CET1 ratio, in the lower half at 12.98% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. First Community Bank sits 0.51 points lower, at 12.98% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.98% |
| Tier 1 risk-based capital ratio | 12.98% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 9.29% |
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 | $217.6M |
| Tier 1 capital | $217.6M |
| Total risk-based capital | $236.7M |
| Total equity capital | $235.7M |
| Risk-weighted assets | $1.68B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.90% |
| Tangible equity to tangible assets | 8.67% |
| Equity capital to average assets | 9.91% |
| Internal capital growth rate | 10.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $43.8M |
| Common stock surplus | $108.5M |
| Retained earnings | $101.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.2M |
| 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 | 12.47% | 12.47% | 13.50% | 8.63% | $1.21B |
| Q4 2023 | 12.53% | 12.53% | 13.58% | 8.45% | $1.23B |
| Q1 2024 | 12.65% | 12.65% | 13.71% | 8.35% | $1.23B |
| Q2 2024 | 12.56% | 12.56% | 13.62% | 8.44% | $1.26B |
| Q3 2024 | 12.93% | 12.93% | 14.00% | 8.39% | $1.25B |
| Q4 2024 | 12.87% | 12.87% | 13.94% | 8.40% | $1.28B |
| Q1 2025 | 12.90% | 12.90% | 13.99% | 8.45% | $1.30B |
| Q2 2025 | 13.04% | 13.04% | 14.10% | 8.44% | $1.32B |
| Q3 2025 | 13.10% | 13.10% | 14.15% | 8.55% | $1.34B |
| Q4 2025 | 13.11% | 13.11% | 14.16% | 8.66% | $1.37B |
| Q1 2026 | 12.82% | 12.82% | 13.98% | 9.09% | $1.65B |
| Q2 2026 | 12.98% | 12.98% | 14.13% | 9.29% | $1.68B |
First Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34047) · FFIEC NIC profile (RSSD 2328137)