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 3.3% to $67.7M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.36% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $84.3M |
| Tier 1 capital | $84.3M |
| Total risk-based capital | — |
| Total equity capital | $69.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 8.54% |
| Internal capital growth rate | 12.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $625K |
| Common stock surplus | $16.5M |
| Retained earnings | $67.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.3M |
| 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 | 14.23% | 14.23% | 15.39% | 9.31% | $466.6M |
| Q4 2023 | 13.28% | 13.28% | 14.35% | 9.67% | $513.1M |
| Q1 2024 | 12.83% | 12.83% | 13.90% | 9.41% | $540.7M |
| Q2 2024 | 12.85% | 12.85% | 13.92% | 9.23% | $547.3M |
| Q3 2024 | 13.16% | 13.16% | 14.25% | 9.21% | $544.2M |
| Q4 2024 | 13.67% | 13.67% | 14.76% | 9.47% | $536.5M |
| Q1 2025 | — | — | — | 9.79% | — |
| Q2 2025 | — | — | — | 9.91% | — |
| Q3 2025 | — | — | — | 9.82% | — |
| Q4 2025 | — | — | — | 10.13% | — |
| Q1 2026 | — | — | — | 10.21% | — |
| Q2 2026 | — | — | — | 10.36% | — |
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 22964) · FFIEC NIC profile (RSSD 334264)