First Fidelity Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.32% (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: 5.32% (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 12.88% +6.38 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 | $66.8M | 66,765 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $518.3M | 518,319 | RCOAA223 |
| Recomputed ratio | 12.88% | numerator / denominator | |
| Filed ratio | 12.88% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.38 pp | $33.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.88% +4.88 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 | $66.8M | 66,765 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $518.3M | 518,319 | RCOAA223 |
| Recomputed ratio | 12.88% | numerator / denominator | |
| Filed ratio | 12.88% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.88 pp | $25.3M | capital that could be lost first |
Total risk-based capital ratio 13.32% +3.32 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 | $69.1M | 69,056 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $518.3M | 518,319 | RCOAA223 |
| Recomputed ratio | 13.32% | numerator / denominator | |
| Filed ratio | 13.32% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.32 pp | $17.2M | capital that could be lost first |
Tier 1 leverage ratio 9.41% +4.41 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 | $66.8M | 66,765 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $709.2M | 709,203 | RCOAA224 |
| Recomputed ratio | 9.41% | numerator / denominator | |
| Filed ratio | 9.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.41 pp | $31.3M | 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 | 16,773 | 16,773 | 16,773 | 16,773 | 16,773 | 16,773 | RCOAP742 |
| Retained earnings | 54,627 | 53,104 | 51,927 | 50,946 | 49,807 | 48,643 | RCOAKW00 |
| Accumulated other comprehensive income | (9,632) | (8,676) | (8,754) | (9,711) | (14,438) | (14,181) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 61,768 | 61,201 | 59,946 | 58,008 | 52,142 | 51,235 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,997 | 3,811 | 3,660 | 4,388 | 8,859 | 8,344 | P859 - P840 |
| Common equity Tier 1 capital | 66,765 | 65,012 | 63,606 | 62,396 | 61,001 | 59,579 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 66,765 | 65,012 | 63,606 | 62,396 | 61,001 | 59,579 | RCOA8274 |
| Tier 2 capital | 2,291 | 2,162 | 2,019 | 1,991 | 2,001 | 1,909 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,291 | 2,162 | 2,019 | 1,991 | 2,001 | 1,909 | RCOA5310 |
| Total capital | 69,056 | 67,174 | 65,625 | 64,387 | 63,002 | 61,488 | RCOA3792 |
| Total risk-weighted assets | 518,319 | 489,575 | 501,841 | 460,053 | 459,722 | 442,658 | RCOAA223 |
| Average total assets for the leverage ratio | 709,203 | 700,713 | 684,310 | 664,335 | 675,289 | 667,011 | 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 | $34.5M | $1.9M | 5.38% | 0.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $206.0M | $46.8M | 22.73% | 9.04% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $9.3M | $1.9M | 20.00% | 0.36% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $16.5M | $8.5M | 51.79% | 1.65% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.7M | $2.6M | 150.00% | 0.50% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $419.4M | $415.1M | 98.98% | 80.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $35.3M | $35.0M | 99.04% | 6.75% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.3M | $4.3M | 100.00% | 0.82% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.4M | NA | 0.45% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $516.0M | does not tie to item 31 ($516.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $518.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $518.3M | 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 | 12.88% | 12.88% | 13.32% | 9.41% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.28% | 13.28% | 13.72% | 9.28% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.67% | 12.67% | 13.08% | 9.29% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.56% | 13.56% | 14.00% | 9.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.27% | 13.27% | 13.70% | 9.03% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.46% | 13.46% | 13.89% | 8.93% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.66% | 12.66% | 13.07% | 9.14% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.96% | 12.96% | 13.37% | 9.16% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.81% | 12.81% | 13.22% | 9.15% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.13% | 13.13% | 13.54% | 8.95% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.74% | 12.74% | 13.14% | 8.97% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.82% | 14.82% | 15.17% | 9.97% | 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 Fidelity Bank (this bank) | Risk-based | 12.88% | 12.88% | 13.32% | 9.41% | |
| Hickory Point Bank and Trust | $717.5M | Risk-based | 16.15% | 16.15% | 17.25% | 11.04% |
| Artisans' Bank | $718.2M | Risk-based | 13.01% | 13.01% | 13.95% | 10.44% |
| Prospect Bank | $715.6M | Risk-based | 12.09% | 12.09% | 12.77% | 8.50% |
| First National Bank of Scotia | $719.0M | Risk-based | 13.65% | 13.65% | 14.86% | 9.22% |
| The Bank of Elk River | $719.1M | Risk-based | 13.64% | 13.64% | 14.80% | 9.14% |
| Union State Bank | $719.1M | Risk-based | 14.00% | 14.00% | 15.11% | 10.25% |
| Pilgrim Bank | $714.6M | Risk-based | 14.44% | 14.44% | 15.37% | 10.21% |
| First & Farmers National Bank, Inc. | $714.2M | Risk-based | 14.61% | 14.61% | 15.86% | 11.51% |
| The Eastern Colorado Bank | $720.9M | Risk-based | 14.22% | 14.22% | 15.36% | 11.31% |
| Florida Capital Bank, N.A. | $713.1M | Risk-based | 15.04% | 15.04% | 16.29% | 9.77% |
| Peer 25th percentile | 13.64% | 13.64% | 14.81% | 9.36% | ||
| Peer median | 14.11% | 14.11% | 15.24% | 10.23% | ||
| Peer 75th percentile | 14.57% | 14.57% | 15.74% | 10.89% | ||
| This bank's percentile | 10 | 10 | 10 | 30 |
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/80150/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.