First Exchange 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%.
In Q2 2026, Retained earnings edged up by 2.1%, from $24.0M to $24.5M, the largest move among the key lines here. First Exchange Bank ranks 11th of 15 West Virginia banks on CET1 ratio, in the lower half at 12.76% (Q2 2026). First Exchange Bank reported 12.76% on CET1 ratio for Q2 2026, 2.32 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 14.02% |
| Tier 1 leverage ratio | 8.96% |
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 | $35.3M |
| Tier 1 capital | $35.3M |
| Total risk-based capital | $38.7M |
| Total equity capital | $31.1M |
| Risk-weighted assets | $276.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.94% |
| Tangible equity to tangible assets | 7.94% |
| Equity capital to average assets | 7.89% |
| Internal capital growth rate | 6.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $9.4M |
| Retained earnings | $24.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | — | — | — | 9.62% | — |
| Q4 2023 | — | — | — | 9.51% | — |
| Q1 2024 | — | — | — | 8.88% | — |
| Q2 2024 | — | — | — | 8.66% | — |
| Q3 2024 | 12.86% | 12.86% | 14.11% | 8.76% | $263.8M |
| Q4 2024 | 12.89% | 12.89% | 14.15% | 8.83% | $262.2M |
| Q1 2025 | 13.17% | 13.17% | 14.43% | 8.95% | $259.2M |
| Q2 2025 | 12.91% | 12.91% | 14.17% | 8.94% | $261.0M |
| Q3 2025 | 13.33% | 13.33% | 14.58% | 9.08% | $256.1M |
| Q4 2025 | 12.81% | 12.81% | 14.06% | 9.04% | $267.2M |
| Q1 2026 | 12.63% | 12.63% | 13.88% | 9.05% | $275.4M |
| Q2 2026 | 12.76% | 12.76% | 14.02% | 8.96% | $276.4M |
First Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13020) · FFIEC NIC profile (RSSD 170332)