First Community Trust, N.A.: 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 standout move of Q2 2026 was in Equity capital to total assets: 1.37 percentage points lower than in Q1 2026, at 93.29%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 93.28% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | — |
| Total equity capital | $12.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 93.29% |
| Tangible equity to tangible assets | 93.29% |
| Equity capital to average assets | 94.83% |
| Internal capital growth rate | 4.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $498K |
| Common stock surplus | $10.6M |
| Retained earnings | $1.8M |
| Preferred stock and surplus | $9K |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 89.00% | 90.66% | 90.66% |
| Q4 2023 | 89.68% | 91.35% | 91.35% |
| Q1 2024 | 93.48% | 94.29% | 94.29% |
| Q2 2024 | 91.45% | 92.79% | 92.79% |
| Q3 2024 | 91.80% | 92.61% | 92.61% |
| Q4 2024 | 91.10% | 92.25% | 92.25% |
| Q1 2025 | 89.78% | 94.83% | 94.83% |
| Q2 2025 | 91.74% | 93.16% | 93.16% |
| Q3 2025 | 91.90% | 92.79% | 92.79% |
| Q4 2025 | 89.39% | 93.37% | 93.37% |
| Q1 2026 | 94.36% | 94.66% | 94.66% |
| Q2 2026 | 93.28% | 93.29% | 93.29% |
First Community Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Trust, N.A., 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 Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2973041)