First Credit Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 41.05% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 41.05% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 47.79% +41.29 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $241.2M | 241,180 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $504.6M | 504,650 | RCOAA223 |
| Recomputed ratio | 47.79% | numerator / denominator | |
| Filed ratio | 47.79% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +41.29 pp | $208.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 47.79% +39.79 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $241.2M | 241,180 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $504.6M | 504,650 | RCOAA223 |
| Recomputed ratio | 47.79% | numerator / denominator | |
| Filed ratio | 47.79% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +39.79 pp | $200.8M | capital that could be lost first |
Total risk-based capital ratio 49.05% +39.05 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $247.5M | 247,538 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $504.6M | 504,650 | RCOAA223 |
| Recomputed ratio | 49.05% | numerator / denominator | |
| Filed ratio | 49.05% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +39.05 pp | $197.1M | capital that could be lost first |
Tier 1 leverage ratio 47.61% +42.61 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $241.2M | 241,180 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $506.5M | 506,527 | RCOAA224 |
| Recomputed ratio | 47.61% | numerator / denominator | |
| Filed ratio | 47.61% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +42.61 pp | $215.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 8,629 | 8,629 | 8,629 | 8,629 | 8,629 | 8,629 | RCOAP742 |
| Retained earnings | 232,551 | 230,202 | 225,620 | 234,360 | 225,674 | 225,193 | RCOAKW00 |
| Accumulated other comprehensive income | 156 | 78 | 324 | 394 | 277 | 325 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 241,336 | 238,909 | 234,573 | 243,383 | 234,580 | 234,147 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (156) | (78) | (324) | (394) | (277) | (325) | P859 - P840 |
| Common equity Tier 1 capital | 241,180 | 238,831 | 234,249 | 242,989 | 234,303 | 233,822 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 241,180 | 238,831 | 234,249 | 242,989 | 234,303 | 233,822 | RCOA8274 |
| Tier 2 capital | 6,358 | 6,183 | 6,022 | 6,196 | 6,730 | 6,519 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,358 | 6,183 | 6,022 | 6,196 | 6,730 | 6,519 | RCOA5310 |
| Total capital | 247,538 | 245,014 | 240,271 | 249,185 | 241,033 | 240,341 | RCOA3792 |
| Total risk-weighted assets | 504,650 | 489,437 | 477,413 | 489,341 | 530,374 | 513,212 | RCOAA223 |
| Average total assets for the leverage ratio | 506,527 | 497,876 | 512,499 | 528,186 | 530,543 | 531,022 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $61.5M | $16K | 0.03% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $9.2M | $5.5M | 59.76% | 1.08% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $40.9M | $40.9M | 100.00% | 8.04% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $74.5M | $111.7M | 150.00% | 21.96% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $11.6M | $17.4M | 150.00% | 3.42% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $282.0M | $282.0M | 100.00% | 55.44% | RC-R Part II, item 4.d, 5.d |
| All other assets | $46.1M | $46.2M | 100.25% | 9.09% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.7M | $4.9M | 130.13% | 0.96% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $508.6M | ties to item 31 ($508.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $508.6M | RCONB704 |
| Less: excess allowance for credit losses | $4.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $504.6M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 47.79% | 47.79% | 49.05% | 47.61% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 48.80% | 48.80% | 50.06% | 47.97% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 49.07% | 49.07% | 50.33% | 45.71% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 49.66% | 49.66% | 50.92% | 46.00% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 44.18% | 44.18% | 45.45% | 44.16% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 45.56% | 45.56% | 46.83% | 44.03% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 44.14% | 44.14% | 45.41% | 40.72% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 46.17% | 46.17% | 47.43% | 42.61% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 41.59% | 41.59% | 42.86% | 39.99% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 38.42% | 38.42% | 39.69% | 39.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 38.96% | 38.96% | 40.22% | 38.83% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 39.02% | 39.02% | 40.29% | 38.22% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Credit Bank (this bank) | Risk-based | 47.79% | 47.79% | 49.05% | 47.61% | |
| Powell Valley National Bank | $516.5M | Risk-based | 13.76% | 13.76% | 15.01% | 10.67% |
| State Bank of Chilton | $516.5M | CBLR | NA | NA | NA | 12.75% |
| Connections Bank | $516.6M | CBLR | NA | NA | NA | 9.80% |
| Chino Commercial Bank, N.A. | $516.7M | CBLR | NA | NA | NA | 12.51% |
| First State Bank and Trust | $514.9M | Risk-based | 12.11% | 12.11% | 13.36% | 8.64% |
| Central Savings Bank | $516.8M | Risk-based | 14.54% | 14.54% | 15.76% | 9.54% |
| Armor Bank | $516.9M | CBLR | NA | NA | NA | 9.40% |
| First Pacific Bank | $514.4M | Risk-based | 11.75% | 11.75% | 12.61% | 9.25% |
| The Brenham National Bank | $517.7M | Risk-based | 17.11% | 17.11% | 18.10% | 11.76% |
| Peer 25th percentile | 12.11% | 12.11% | 13.36% | 9.40% | ||
| Peer median | 13.76% | 13.76% | 15.01% | 9.80% | ||
| Peer 75th percentile | 14.54% | 14.54% | 15.76% | 11.76% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/5069/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.