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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.51 percentage points to 11.34%. Within Texas, First Community Bank is 79th of 184 on CET1 ratio, 17.63% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Community Bank sits 2.55 points higher, at 17.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.63% |
| Tier 1 risk-based capital ratio | 17.63% |
| Total risk-based capital ratio | 18.89% |
| Tier 1 leverage ratio | 12.44% |
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 | $83.0M |
| Tier 1 capital | $83.0M |
| Total risk-based capital | $88.9M |
| Total equity capital | $75.7M |
| Risk-weighted assets | $470.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.42% |
| Tangible equity to tangible assets | 11.42% |
| Equity capital to average assets | 11.34% |
| Internal capital growth rate | 10.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $13.4M |
| Retained earnings | $69.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.3M |
| 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 | 13.87% | 13.87% | 15.12% | 10.17% | $500.6M |
| Q4 2023 | 14.07% | 14.07% | 15.33% | 10.16% | $495.2M |
| Q1 2024 | 14.38% | 14.38% | 15.64% | 10.33% | $489.6M |
| Q2 2024 | 15.13% | 15.13% | 16.39% | 10.59% | $474.2M |
| Q3 2024 | 15.98% | 15.98% | 17.23% | 10.91% | $458.3M |
| Q4 2024 | 15.67% | 15.67% | 16.92% | 11.11% | $476.3M |
| Q1 2025 | 15.86% | 15.86% | 17.11% | 11.17% | $481.5M |
| Q2 2025 | 16.37% | 16.37% | 17.63% | 11.53% | $478.8M |
| Q3 2025 | 16.75% | 16.75% | 18.01% | 11.60% | $475.2M |
| Q4 2025 | 17.21% | 17.21% | 18.47% | 11.84% | $469.0M |
| Q1 2026 | 17.12% | 17.12% | 18.38% | 12.14% | $474.0M |
| Q2 2026 | 17.63% | 17.63% | 18.89% | 12.44% | $470.9M |
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 24353) · FFIEC NIC profile (RSSD 339456)