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%.
In Q2 2026, Risk-weighted assets edged down by 0.7%, from $345.3M to $342.7M, the largest move among the key lines here. First Community Bank ranks 30th of 43 Michigan banks on CET1 ratio, in the lower half at 11.96% (Q2 2026). First Community Bank reported 11.96% on CET1 ratio for Q2 2026, 3.11 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 13.15% |
| Tier 1 leverage ratio | 9.93% |
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 | $41.0M |
| Tier 1 capital | $41.0M |
| Total risk-based capital | $45.1M |
| Total equity capital | $40.3M |
| Risk-weighted assets | $342.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
| Equity capital to average assets | 9.76% |
| Internal capital growth rate | 0.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $20.5M |
| Retained earnings | $19.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$710K |
| 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 | 11.60% | 11.60% | 12.75% | 8.94% | $325.2M |
| Q4 2023 | 12.16% | 12.16% | 13.35% | 9.12% | $317.0M |
| Q1 2024 | 12.17% | 12.17% | 13.37% | 9.13% | $313.7M |
| Q2 2024 | 12.37% | 12.37% | 13.60% | 9.54% | $314.4M |
| Q3 2024 | 12.44% | 12.44% | 13.67% | 9.67% | $313.2M |
| Q4 2024 | 12.26% | 12.26% | 13.51% | 9.87% | $317.1M |
| Q1 2025 | 12.58% | 12.58% | 13.81% | 10.22% | $322.0M |
| Q2 2025 | 12.34% | 12.34% | 13.54% | 10.11% | $328.9M |
| Q3 2025 | 12.28% | 12.28% | 13.47% | 9.89% | $333.3M |
| Q4 2025 | 12.20% | 12.20% | 13.39% | 10.11% | $337.2M |
| Q1 2026 | 11.85% | 11.85% | 13.03% | 9.95% | $345.3M |
| Q2 2026 | 11.96% | 11.96% | 13.15% | 9.93% | $342.7M |
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 13179) · FFIEC NIC profile (RSSD 932745)