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 3.2% to $18.1M. On CET1 ratio, First Community Bank is 6th from the bottom among 57 Nebraska banks, 11.15% (Q2 2026). First Community Bank reported 11.15% on CET1 ratio for Q2 2026, 3.93 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.15% |
| Tier 1 risk-based capital ratio | 11.15% |
| Total risk-based capital ratio | 12.40% |
| Tier 1 leverage ratio | 9.05% |
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 | $30.1M |
| Tier 1 capital | $30.1M |
| Total risk-based capital | $33.4M |
| Total equity capital | $33.6M |
| Risk-weighted assets | $269.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.82% |
| Tangible equity to tangible assets | 8.86% |
| Equity capital to average assets | 9.98% |
| Internal capital growth rate | 6.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $16.5M |
| Retained earnings | $18.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 11.52% | 11.52% | 12.77% | 8.85% | $170.4M |
| Q4 2023 | 10.94% | 10.94% | 12.20% | 8.80% | $185.9M |
| Q1 2024 | 10.82% | 10.82% | 12.08% | 8.85% | $194.0M |
| Q2 2024 | 11.32% | 11.32% | 12.58% | 8.86% | $188.1M |
| Q3 2024 | 11.48% | 11.48% | 12.74% | 8.80% | $189.7M |
| Q4 2024 | 10.78% | 10.78% | 12.03% | 8.67% | $203.5M |
| Q1 2025 | 10.45% | 10.45% | 11.70% | 8.45% | $213.9M |
| Q2 2025 | 10.98% | 10.98% | 12.24% | 8.80% | $217.4M |
| Q3 2025 | 10.53% | 10.53% | 11.79% | 8.65% | $232.1M |
| Q4 2025 | 10.61% | 10.61% | 11.82% | 8.87% | $272.4M |
| Q1 2026 | 11.19% | 11.19% | 12.44% | 8.92% | $262.2M |
| Q2 2026 | 11.15% | 11.15% | 12.40% | 9.05% | $269.5M |
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 5384) · FFIEC NIC profile (RSSD 993250)