First Financial Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.05% (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: 6.05% (RCFAH311).
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 12.77% +6.27 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 | $2.10B | 2,099,860 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.44B | 16,439,000 | RCFAA223 |
| Recomputed ratio | 12.77% | numerator / denominator | |
| Filed ratio | 12.77% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.27 pp | $1.03B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.78% +4.78 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 | $2.10B | 2,100,173 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.44B | 16,439,000 | RCFAA223 |
| Recomputed ratio | 12.78% | numerator / denominator | |
| Filed ratio | 12.78% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.78 pp | $785.1M | capital that could be lost first |
Total risk-based capital ratio 14.05% +4.05 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 | $2.31B | 2,310,194 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.44B | 16,439,000 | RCFAA223 |
| Recomputed ratio | 14.05% | numerator / denominator | |
| Filed ratio | 14.05% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.05 pp | $666.3M | capital that could be lost first |
Tier 1 leverage ratio 9.78% +4.78 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 | $2.10B | 2,100,173 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $21.47B | 21,470,387 | RCFAA224 |
| Recomputed ratio | 9.78% | numerator / denominator | |
| Filed ratio | 9.78% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.78 pp | $1.03B | 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 | 2,160,677 | 2,160,677 | 1,937,578 | 1,723,998 | 1,723,998 | 1,723,998 | RCFAP742 |
| Retained earnings | 1,053,733 | 1,016,651 | 988,869 | 1,025,702 | 1,015,328 | 987,789 | RCFAKW00 |
| Accumulated other comprehensive income | (223,721) | (217,430) | (189,942) | (223,000) | (246,384) | (253,888) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,990,689 | 2,959,898 | 2,736,505 | 2,526,700 | 2,492,942 | 2,457,899 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (890,829) | (846,960) | (847,811) | (735,915) | (714,980) | (709,922) | P859 - P840 |
| Common equity Tier 1 capital | 2,099,860 | 2,112,938 | 1,888,694 | 1,790,785 | 1,777,962 | 1,747,977 | RCFAP859 |
| Additional Tier 1 capital | 313 | 318 | 329 | 386 | 430 | 489 | RCFAP865 |
| Tier 1 capital | 2,100,173 | 2,113,256 | 1,889,023 | 1,791,171 | 1,778,392 | 1,748,466 | RCFA8274 |
| Tier 2 capital | 210,021 | 206,584 | 203,028 | 182,738 | 181,668 | 177,911 | RCFA5311 |
| Allowance includable in Tier 2 capital | 205,521 | 202,084 | 198,528 | 176,738 | 175,668 | 171,911 | RCFA5310 |
| Total capital | 2,310,194 | 2,319,840 | 2,092,051 | 1,973,909 | 1,960,060 | 1,926,377 | RCFA3792 |
| Total risk-weighted assets | 16,439,000 | 16,162,050 | 15,874,065 | 14,136,261 | 14,098,490 | 13,979,925 | RCFAA223 |
| Average total assets for the leverage ratio | 21,470,387 | 21,521,511 | 19,338,270 | 17,821,046 | 17,681,888 | 17,656,822 | RCFAA224 |
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 | $779.1M | $30.7M | 3.94% | 0.19% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.73B | $823.6M | 17.42% | 5.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $3.10B | $2.04B | 66.02% | 12.43% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $16.6M | $24.9M | 150.00% | 0.15% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $74.8M | $111.2M | 148.60% | 0.68% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $10.58B | $10.32B | 97.53% | 62.77% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.44B | $1.35B | 93.78% | 8.23% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.43B | $1.42B | 99.42% | 8.66% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $890.5M | $178.1M | 20.00% | 1.08% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $132.8M | NA | 0.81% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $16.31B | ties to item 31 ($16.31B) |
|---|---|---|
| Risk-weighted assets before deductions | $16.44B | RCFDB704 |
| Less: excess allowance for credit losses | $2.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $16.44B | RCFDG641, 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 | 12.77% | 12.78% | 14.05% | 9.78% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.07% | 13.08% | 14.35% | 9.82% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 11.90% | 11.90% | 13.18% | 9.77% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.67% | 12.67% | 13.96% | 10.05% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.61% | 12.61% | 13.90% | 10.06% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.50% | 12.51% | 13.78% | 9.90% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.48% | 12.48% | 13.62% | 9.97% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 12.52% | 12.53% | 13.72% | 10.06% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.43% | 12.43% | 13.60% | 10.02% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.50% | 12.50% | 13.60% | 10.17% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.73% | 12.73% | 13.69% | 10.24% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.73% | 12.74% | 13.73% | 10.24% | 12.66% | 12.67% | 13.78% | 9.78% |
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 Financial Bank (this bank) | Risk-based | 12.77% | 12.78% | 14.05% | 9.78% | |
| Beacon Bank & Trust | $22.20B | Risk-based | 11.77% | 11.77% | 12.86% | 9.83% |
| Wilmington Savings Fund Society, FSB | $22.57B | Risk-based | 13.77% | 13.77% | 14.94% | 10.36% |
| TowneBank | $22.62B | Risk-based | 12.16% | 12.20% | 14.63% | 10.00% |
| OceanFirst Bank, N.A. | $23.17B | Risk-based | 12.96% | 12.96% | 13.91% | 12.62% |
| Optum Bank, Inc. | $21.43B | Risk-based | 17.86% | 17.86% | 18.66% | 13.22% |
| Seacoast National Bank | $21.34B | Risk-based | 13.55% | 13.55% | 14.80% | 9.84% |
| First Merchants Bank | $21.32B | Risk-based | 11.50% | 11.50% | 12.75% | 9.96% |
| Mechanics Bank | $21.25B | Risk-based | 15.48% | 15.48% | 16.74% | 9.38% |
| Citizens Business Bank, N.A. | $21.18B | Risk-based | 14.33% | 14.33% | 14.94% | 11.41% |
| Merchants Bank of Indiana | $21.17B | Risk-based | 11.76% | 11.76% | 12.18% | 11.28% |
| Peer 25th percentile | 11.87% | 11.88% | 13.13% | 9.87% | ||
| Peer median | 13.26% | 13.26% | 14.72% | 10.18% | ||
| Peer 75th percentile | 14.19% | 14.19% | 14.94% | 11.38% | ||
| This bank's percentile | 40 | 40 | 40 | 10 |
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/165628/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.