First Credit 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.
Equity capital to total assets fell 0.55 percentage points from Q1 2026 to Q2 2026, ending at 46.79% against 47.33%. It was the largest change among the key lines on this page. On CET1 ratio, First Credit Bank ranks 4th highest among the 74 banks headquartered in California, at 47.79% (Q2 2026). First Credit Bank's CET1 ratio of 47.79% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 32.71 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 47.79% |
| Tier 1 risk-based capital ratio | 47.79% |
| Total risk-based capital ratio | 49.05% |
| Tier 1 leverage ratio | 47.61% |
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 | $241.2M |
| Tier 1 capital | $241.2M |
| Total risk-based capital | $247.5M |
| Total equity capital | $241.3M |
| Risk-weighted assets | $504.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 46.79% |
| Tangible equity to tangible assets | 46.79% |
| Equity capital to average assets | 47.65% |
| Internal capital growth rate | 3.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.5M |
| Common stock surplus | $4.1M |
| Retained earnings | $232.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $156K |
| 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 | 39.02% | 39.02% | 40.29% | 38.22% | $555.7M |
| Q4 2023 | 38.96% | 38.96% | 40.22% | 38.83% | $567.4M |
| Q1 2024 | 38.42% | 38.42% | 39.69% | 39.06% | $597.0M |
| Q2 2024 | 41.59% | 41.59% | 42.86% | 39.99% | $555.2M |
| Q3 2024 | 46.17% | 46.17% | 47.43% | 42.61% | $516.2M |
| Q4 2024 | 44.14% | 44.14% | 45.41% | 40.72% | $515.8M |
| Q1 2025 | 45.56% | 45.56% | 46.83% | 44.03% | $513.2M |
| Q2 2025 | 44.18% | 44.18% | 45.45% | 44.16% | $530.4M |
| Q3 2025 | 49.66% | 49.66% | 50.92% | 46.00% | $489.3M |
| Q4 2025 | 49.07% | 49.07% | 50.33% | 45.71% | $477.4M |
| Q1 2026 | 48.80% | 48.80% | 50.06% | 47.97% | $489.4M |
| Q2 2026 | 47.79% | 47.79% | 49.05% | 47.61% | $504.6M |
First Credit Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Credit 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 Credit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24332) · FFIEC NIC profile (RSSD 5069)