First Financial Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.63% (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: 5.63% (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 12.62% +6.12 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 | $637.7M | 637,712 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.05B | 5,051,237 | RCOAA223 |
| Recomputed ratio | 12.62% | numerator / denominator | |
| Filed ratio | 12.62% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.12 pp | $309.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.62% +4.62 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 | $637.7M | 637,712 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.05B | 5,051,237 | RCOAA223 |
| Recomputed ratio | 12.62% | numerator / denominator | |
| Filed ratio | 12.62% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.62 pp | $233.6M | capital that could be lost first |
Total risk-based capital ratio 13.63% +3.63 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 | $688.6M | 688,650 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.05B | 5,051,237 | RCOAA223 |
| Recomputed ratio | 13.63% | numerator / denominator | |
| Filed ratio | 13.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.63 pp | $183.5M | capital that could be lost first |
Tier 1 leverage ratio 10.36% +5.36 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 | $637.7M | 637,712 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.16B | 6,156,577 | RCOAA224 |
| Recomputed ratio | 10.36% | numerator / denominator | |
| Filed ratio | 10.36% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.36 pp | $329.9M | 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 | 349,850 | 348,772 | 316,849 | 316,617 | 316,384 | 316,152 | RCOAP742 |
| Retained earnings | 403,129 | 386,526 | 410,392 | 394,759 | 379,507 | 381,077 | RCOAKW00 |
| Accumulated other comprehensive income | (91,064) | (95,276) | (86,681) | (98,635) | (118,234) | (121,181) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 661,915 | 640,022 | 640,560 | 612,741 | 577,657 | 576,048 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (24,203) | (21,523) | (25,952) | (15,149) | 3,290 | 2,940 | P859 - P840 |
| Common equity Tier 1 capital | 637,712 | 618,499 | 614,608 | 597,592 | 580,947 | 578,988 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 637,712 | 618,499 | 614,608 | 597,592 | 580,947 | 578,988 | RCOA8274 |
| Tier 2 capital | 50,938 | 52,338 | 47,995 | 47,411 | 47,087 | 46,834 | RCOA5311 |
| Allowance includable in Tier 2 capital | 50,938 | 52,338 | 47,995 | 47,411 | 47,087 | 46,834 | RCOA5310 |
| Total capital | 688,650 | 670,837 | 662,603 | 645,003 | 628,034 | 625,822 | RCOA3792 |
| Total risk-weighted assets | 5,051,237 | 5,021,390 | 4,687,427 | 4,578,728 | 4,538,150 | 4,472,343 | RCOAA223 |
| Average total assets for the leverage ratio | 6,156,577 | 6,100,490 | 5,682,147 | 5,624,075 | 5,587,656 | 5,551,621 | 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 | $96.6M | $6.6M | 6.81% | 0.13% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.28B | $271.4M | 21.17% | 5.37% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $28.5M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $549.3M | $276.6M | 50.36% | 5.48% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $340K | $510K | 150.00% | 0.01% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $23.1M | $34.6M | 150.00% | 0.69% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.90B | $3.90B | 100.00% | 77.11% | RC-R Part II, item 4.d, 5.d |
| All other assets | $237.6M | $217.3M | 91.46% | 4.30% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $278.5M | $278.5M | 100.00% | 5.51% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.7M | $836K | 50.00% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $69.6M | NA | 1.38% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.98B | ties to item 31 ($4.98B) |
|---|---|---|
| Risk-weighted assets before deductions | $5.05B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $5.05B | 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 | 12.62% | 12.62% | 13.63% | 10.36% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.32% | 12.32% | 13.36% | 10.14% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.11% | 13.11% | 14.14% | 10.82% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.05% | 13.05% | 14.09% | 10.63% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.80% | 12.80% | 13.84% | 10.40% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.95% | 12.95% | 13.99% | 10.43% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.76% | 12.76% | 13.81% | 10.26% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.63% | 12.63% | 13.67% | 10.27% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.44% | 13.44% | 14.44% | 10.48% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.94% | 13.94% | 14.99% | 10.91% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.84% | 13.84% | 14.89% | 10.73% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.62% | 13.62% | 14.67% | 10.38% | 12.78% | 12.79% | 13.93% | 10.03% |
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, N.A. (this bank) | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% | |
| First International Bank and Trust | $6.18B | Risk-based | 10.68% | 10.68% | 11.71% | 9.06% |
| Middlesex Savings Bank | $6.15B | Risk-based | 18.24% | 18.24% | 19.01% | 13.44% |
| Shore United Bank, N.A. | $6.15B | Risk-based | 12.31% | 12.31% | 13.56% | 10.00% |
| CFG Bank | $6.12B | Risk-based | 12.50% | 12.50% | 13.71% | 11.29% |
| SmartBank | $6.11B | Risk-based | 11.38% | 11.38% | 12.30% | 9.86% |
| Mercantile Bank | $6.24B | Risk-based | 12.59% | 12.59% | 13.54% | 11.61% |
| Bradesco Bank | $6.10B | Risk-based | 13.93% | 13.93% | 14.95% | 10.09% |
| Five Star Bank | $6.29B | Risk-based | 12.72% | 12.72% | 13.69% | 10.87% |
| River City Bank | $6.04B | Risk-based | 13.18% | 13.18% | 14.44% | 9.22% |
| Peer 25th percentile | 12.31% | 12.31% | 13.54% | 9.86% | ||
| Peer median | 12.59% | 12.59% | 13.69% | 10.09% | ||
| Peer 75th percentile | 13.18% | 13.18% | 14.44% | 11.29% | ||
| This bank's percentile | 56 | 56 | 44 | 56 |
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/693345/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.