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%.
Equity capital to total assets rose 0.60 percentage points from Q1 2026 to Q2 2026, ending at 12.13% against 11.53%. It was the largest change among the key lines on this page. First Community Bank ranks 74th of 114 Iowa banks on CET1 ratio, in the lower half at 12.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Community Bank sits 2.21 points lower, at 12.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 14.06% |
| Tier 1 leverage ratio | 9.40% |
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 | $10.8M |
| Tier 1 capital | $10.8M |
| Total risk-based capital | $11.8M |
| Total equity capital | $14.0M |
| Risk-weighted assets | $83.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.13% |
| Tangible equity to tangible assets | 9.21% |
| Equity capital to average assets | 11.86% |
| Internal capital growth rate | 1.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $9.6M |
| Retained earnings | $4.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$450K |
| 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 | 13.37% | 13.37% | 14.14% | 9.02% | $74.3M |
| Q4 2023 | 12.71% | 12.71% | 13.47% | 8.88% | $79.0M |
| Q1 2024 | 12.34% | 12.34% | 13.07% | 8.66% | $82.5M |
| Q2 2024 | 12.80% | 12.80% | 13.60% | 8.93% | $79.6M |
| Q3 2024 | 13.04% | 13.04% | 13.89% | 9.14% | $78.8M |
| Q4 2024 | 12.57% | 12.57% | 13.58% | 8.88% | $81.0M |
| Q1 2025 | 12.86% | 12.86% | 13.90% | 8.95% | $80.4M |
| Q2 2025 | 12.91% | 12.91% | 13.95% | 9.16% | $81.2M |
| Q3 2025 | 12.95% | 12.95% | 14.03% | 9.42% | $81.7M |
| Q4 2025 | 12.31% | 12.31% | 13.48% | 9.29% | $86.1M |
| Q1 2026 | 12.55% | 12.55% | 13.74% | 9.24% | $85.2M |
| Q2 2026 | 12.86% | 12.86% | 14.06% | 9.40% | $83.8M |
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 14904) · FFIEC NIC profile (RSSD 233246)