First Community Bank of Moultrie County: 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%.
Risk-weighted assets rose 4.0% from Q1 2026 to Q2 2026, ending at $58.7M against $56.4M. It was the largest change among the key lines on this page. Within Illinois, First Community Bank of Moultrie County is 54th of 196 on CET1 ratio, 19.07% as of Q2 2026, above the middle of the field. First Community Bank of Moultrie County reported 19.07% on CET1 ratio for Q2 2026, 4.00 points above 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 | 19.07% |
| Tier 1 risk-based capital ratio | 19.07% |
| Total risk-based capital ratio | 20.32% |
| Tier 1 leverage ratio | 9.13% |
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 | $11.2M |
| Tier 1 capital | $11.2M |
| Total risk-based capital | $11.9M |
| Total equity capital | $9.0M |
| Risk-weighted assets | $58.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.54% |
| Tangible equity to tangible assets | 7.29% |
| Equity capital to average assets | 7.35% |
| Internal capital growth rate | 7.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $367K |
| Common stock surplus | $3.6M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 18.93% | 18.93% | 20.19% | 8.65% | $52.4M |
| Q4 2023 | 18.31% | 18.31% | 19.57% | 8.58% | $54.5M |
| Q1 2024 | 18.93% | 18.93% | 20.19% | 8.78% | $53.3M |
| Q2 2024 | 18.32% | 18.32% | 19.58% | 8.79% | $55.5M |
| Q3 2024 | 17.90% | 17.90% | 19.16% | 8.73% | $57.3M |
| Q4 2024 | 17.75% | 17.75% | 19.00% | 8.80% | $58.2M |
| Q1 2025 | 19.32% | 19.32% | 20.58% | 8.81% | $54.1M |
| Q2 2025 | 18.66% | 18.66% | 19.92% | 9.16% | $56.5M |
| Q3 2025 | 18.09% | 18.09% | 19.34% | 8.88% | $59.1M |
| Q4 2025 | 18.35% | 18.35% | 19.60% | 8.99% | $59.1M |
| Q1 2026 | 19.52% | 19.52% | 20.77% | 9.01% | $56.4M |
| Q2 2026 | 19.07% | 19.07% | 20.32% | 9.13% | $58.7M |
First Community Bank of Moultrie County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Moultrie County, 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 Moultrie County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3745) · FFIEC NIC profile (RSSD 459644)