First Electronic 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%.
Common equity Tier 1 ratio dropped 25.22 percentage points in Q2 2026, from 115.23% to 90.01%. It was the largest change from Q1 2026 among the key lines here. Among 28 Utah banks, First Electronic Bank sits 2nd from the top on CET1 ratio, 90.01% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, First Electronic Bank reported 90.01% on CET1 ratio in Q2 2026, 74.92 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 90.01% |
| Tier 1 risk-based capital ratio | 90.01% |
| Total risk-based capital ratio | 90.58% |
| Tier 1 leverage ratio | 46.82% |
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 | $198.4M |
| Tier 1 capital | $198.4M |
| Total risk-based capital | $199.6M |
| Total equity capital | $198.3M |
| Risk-weighted assets | $220.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 39.44% |
| Tangible equity to tangible assets | 39.44% |
| Equity capital to average assets | 46.80% |
| Internal capital growth rate | 4.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $13.5M |
| Retained earnings | $183.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$56K |
| 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 | 78.76% | 78.76% | 78.76% | 37.50% | $92.7M |
| Q4 2023 | 74.36% | 74.36% | 74.36% | 35.44% | $110.3M |
| Q1 2024 | 52.82% | 52.82% | 52.82% | 33.33% | $176.7M |
| Q2 2024 | 62.24% | 62.24% | 62.24% | 29.61% | $172.2M |
| Q3 2024 | 57.32% | 57.32% | 57.32% | 31.10% | $205.2M |
| Q4 2024 | 59.95% | 59.95% | 59.95% | 32.13% | $218.2M |
| Q1 2025 | 52.33% | 52.33% | 52.33% | 32.35% | $284.8M |
| Q2 2025 | 94.32% | 94.32% | 94.32% | 30.43% | $171.8M |
| Q3 2025 | 87.68% | 87.68% | 87.68% | 34.48% | $198.3M |
| Q4 2025 | 141.36% | 141.36% | 141.36% | 36.87% | $133.3M |
| Q1 2026 | 115.23% | 115.23% | 115.54% | 42.50% | $170.1M |
| Q2 2026 | 90.01% | 90.01% | 90.58% | 46.82% | $220.4M |
First Electronic Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Electronic 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 Electronic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35533) · FFIEC NIC profile (RSSD 2947556)