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%.
Accumulated other comprehensive income rose 3.6% from Q1 2026 to Q2 2026, ending at -$278.6M against -$289.0M. It was the largest change among the key lines on this page. First Financial Bank ranks 75th of 184 Texas banks on CET1 ratio, in the upper half at 18.36% (Q2 2026). First Financial Bank reported 18.36% on CET1 ratio for Q2 2026, 5.40 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.36% |
| Tier 1 risk-based capital ratio | 18.36% |
| Total risk-based capital ratio | 19.59% |
| Tier 1 leverage ratio | 11.61% |
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 | $1.77B |
| Tier 1 capital | $1.77B |
| Total risk-based capital | $1.89B |
| Total equity capital | $1.79B |
| Risk-weighted assets | $9.66B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.77% |
| Tangible equity to tangible assets | 9.92% |
| Equity capital to average assets | 11.51% |
| Internal capital growth rate | 7.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $627.2M |
| Retained earnings | $1.44B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$278.6M |
| 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 | 16.43% | 16.43% | 17.56% | 10.76% | $8.58B |
| Q4 2023 | 16.47% | 16.47% | 17.59% | 10.75% | $8.63B |
| Q1 2024 | 16.71% | 16.71% | 17.82% | 10.91% | $8.75B |
| Q2 2024 | 16.70% | 16.70% | 17.84% | 11.27% | $8.99B |
| Q3 2024 | 17.21% | 17.21% | 18.42% | 11.48% | $8.96B |
| Q4 2024 | 17.36% | 17.36% | 18.53% | 11.53% | $9.17B |
| Q1 2025 | 17.79% | 17.79% | 18.99% | 11.61% | $9.23B |
| Q2 2025 | 17.78% | 17.78% | 18.98% | 11.72% | $9.43B |
| Q3 2025 | 17.42% | 17.42% | 18.61% | 11.62% | $9.64B |
| Q4 2025 | 18.18% | 18.18% | 19.36% | 11.43% | $9.42B |
| Q1 2026 | 18.26% | 18.26% | 19.46% | 11.37% | $9.54B |
| Q2 2026 | 18.36% | 18.36% | 19.59% | 11.61% | $9.66B |
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 3066) · FFIEC NIC profile (RSSD 470050)