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 Total equity capital, which rose 5.4% to $284.6M. Within Arkansas, First Community Bank is 31st of 37 on CET1 ratio, 10.61% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. First Community Bank sits 2.89 points lower, at 10.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.61% |
| Tier 1 risk-based capital ratio | 10.61% |
| Total risk-based capital ratio | 11.59% |
| Tier 1 leverage ratio | 9.04% |
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 | $318.2M |
| Tier 1 capital | $318.2M |
| Total risk-based capital | $347.7M |
| Total equity capital | $284.6M |
| Risk-weighted assets | $3.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.84% |
| Tangible equity to tangible assets | 7.83% |
| Equity capital to average assets | 8.08% |
| Internal capital growth rate | 18.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $345K |
| Common stock surplus | $63.9M |
| Retained earnings | $254.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.2M |
| 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 | 9.78% | 9.78% | 10.62% | 8.57% | $2.34B |
| Q4 2023 | 10.43% | 10.43% | 11.29% | 9.01% | $2.35B |
| Q1 2024 | 10.41% | 10.41% | 11.28% | 8.76% | $2.38B |
| Q2 2024 | 10.47% | 10.47% | 11.36% | 8.97% | $2.43B |
| Q3 2024 | 10.38% | 10.38% | 11.27% | 8.96% | $2.49B |
| Q4 2024 | 10.38% | 10.38% | 11.27% | 8.98% | $2.57B |
| Q1 2025 | 10.44% | 10.44% | 11.25% | 8.92% | $2.61B |
| Q2 2025 | 10.40% | 10.40% | 11.19% | 8.91% | $2.71B |
| Q3 2025 | 10.24% | 10.24% | 11.09% | 8.81% | $2.81B |
| Q4 2025 | 10.41% | 10.41% | 11.28% | 8.85% | $2.87B |
| Q1 2026 | 10.41% | 10.41% | 11.34% | 8.78% | $2.94B |
| Q2 2026 | 10.61% | 10.61% | 11.59% | 9.04% | $3.00B |
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 34533) · FFIEC NIC profile (RSSD 2596646)