First Financial 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 standout move of Q2 2026 was in Total equity capital: 20.3% higher than in Q1 2026, at $8.1M. First Financial Bank ranks 15th of 36 Alabama banks on CET1 ratio, in the upper half at 15.12% (Q2 2026). At 15.12%, First Financial Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 15.94% |
| Tier 1 leverage ratio | 10.69% |
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 | $26.1M |
| Tier 1 capital | $26.1M |
| Total risk-based capital | $27.5M |
| Total equity capital | $8.1M |
| Risk-weighted assets | $172.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 3.28% |
| Tangible equity to tangible assets | 3.28% |
| Equity capital to average assets | 3.33% |
| Internal capital growth rate | 37.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $9.2M |
| Retained earnings | $16.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.0M |
| 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 | 15.09% | 15.09% | 16.03% | 10.51% | $150.8M |
| Q4 2023 | 14.49% | 14.49% | 15.41% | 10.37% | $155.6M |
| Q1 2024 | 14.81% | 14.81% | 15.72% | 10.24% | $155.9M |
| Q2 2024 | 15.09% | 15.09% | 16.01% | 10.37% | $154.9M |
| Q3 2024 | 15.61% | 15.61% | 16.55% | 10.55% | $154.0M |
| Q4 2024 | 15.25% | 15.25% | 16.20% | 10.25% | $156.7M |
| Q1 2025 | 15.39% | 15.39% | 16.33% | 10.48% | $156.8M |
| Q2 2025 | 15.78% | 15.78% | 16.71% | 10.37% | $157.1M |
| Q3 2025 | 15.61% | 15.61% | 16.51% | 10.64% | $163.0M |
| Q4 2025 | 15.29% | 15.29% | 16.15% | 10.31% | $165.3M |
| Q1 2026 | 15.24% | 15.24% | 16.09% | 10.34% | $167.0M |
| Q2 2026 | 15.12% | 15.12% | 15.94% | 10.69% | $172.6M |
First Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19440) · FFIEC NIC profile (RSSD 292234)