First Community Bank of Central Alabama: 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 Total equity capital, which rose 3.7% to $45.9M. On CET1 ratio, First Community Bank of Central Alabama is 4th from the bottom among 36 Alabama banks, 10.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Community Bank of Central Alabama sits 4.31 points lower, at 10.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.76% |
| Tier 1 risk-based capital ratio | 10.76% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 8.57% |
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 | $59.9M |
| Tier 1 capital | $59.9M |
| Total risk-based capital | $66.8M |
| Total equity capital | $45.9M |
| Risk-weighted assets | $556.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.60% |
| Tangible equity to tangible assets | 6.60% |
| Equity capital to average assets | 6.56% |
| Internal capital growth rate | 11.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $903K |
| Common stock surplus | $10.6M |
| Retained earnings | $48.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.0M |
| 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 | 10.69% | 10.69% | 11.94% | 8.69% | $465.7M |
| Q4 2023 | 10.51% | 10.51% | 11.76% | 8.66% | $483.3M |
| Q1 2024 | 10.45% | 10.45% | 11.70% | 8.61% | $496.8M |
| Q2 2024 | 10.79% | 10.79% | 12.04% | 8.77% | $493.2M |
| Q3 2024 | 10.42% | 10.42% | 11.68% | 8.99% | $517.0M |
| Q4 2024 | 11.12% | 11.12% | 12.38% | 8.74% | $488.7M |
| Q1 2025 | 10.98% | 10.98% | 12.24% | 8.61% | $499.3M |
| Q2 2025 | 10.64% | 10.64% | 11.89% | 8.47% | $525.3M |
| Q3 2025 | 10.83% | 10.83% | 12.09% | 8.47% | $524.6M |
| Q4 2025 | 10.81% | 10.81% | 12.07% | 8.39% | $530.2M |
| Q1 2026 | 10.50% | 10.50% | 11.76% | 8.50% | $557.9M |
| Q2 2026 | 10.76% | 10.76% | 12.02% | 8.57% | $556.2M |
First Community Bank of Central Alabama regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Central Alabama, 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 of Central Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57124) · FFIEC NIC profile (RSSD 3034257)