First Farmers and Commercial 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%.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged down 1.8% between Q1 2026 and Q2 2026, to $152.5M. First Farmers and Commercial Bank ranks 26th of 71 Tennessee banks on CET1 ratio, in the upper half at 14.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Farmers and Commercial Bank sits 0.53 points lower, at 14.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 9.86% |
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 | $22.2M |
| Tier 1 capital | $22.2M |
| Total risk-based capital | $24.1M |
| Total equity capital | $22.1M |
| Risk-weighted assets | $152.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 9.78% |
| Equity capital to average assets | 9.84% |
| Internal capital growth rate | 2.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $607K |
| Common stock surplus | $608K |
| Retained earnings | $20.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19K |
| 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 | 12.81% | 12.81% | 14.06% | 8.74% | $142.2M |
| Q4 2023 | 12.56% | 12.56% | 13.81% | 8.81% | $147.5M |
| Q1 2024 | 12.14% | 12.14% | 13.39% | 8.61% | $155.5M |
| Q2 2024 | 12.83% | 12.83% | 14.08% | 8.67% | $150.4M |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 8.87% | $151.2M |
| Q4 2024 | 13.91% | 13.91% | 15.16% | 9.17% | $145.2M |
| Q1 2025 | 14.48% | 14.48% | 15.73% | 9.51% | $142.6M |
| Q2 2025 | 14.26% | 14.26% | 15.51% | 9.59% | $146.7M |
| Q3 2025 | 13.97% | 13.97% | 15.23% | 9.74% | $153.5M |
| Q4 2025 | 14.62% | 14.62% | 15.87% | 9.76% | $148.3M |
| Q1 2026 | 14.20% | 14.20% | 15.45% | 10.03% | $155.4M |
| Q2 2026 | 14.54% | 14.54% | 15.80% | 9.86% | $152.5M |
First Farmers and Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Commercial 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 Farmers and Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4960) · FFIEC NIC profile (RSSD 702836)