First Financial Trust N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Tangible equity to tangible assets, which fell 0.70 percentage points to 82.22%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 84.56% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $13.6M |
| Tier 1 capital | $13.6M |
| Total risk-based capital | — |
| Total equity capital | $16.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 84.97% |
| Tangible equity to tangible assets | 82.22% |
| Equity capital to average assets | 86.84% |
| Internal capital growth rate | 7.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7K |
| Common stock surplus | $16.6M |
| Retained earnings | $0 |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$32K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 89.76% | 90.16% | 87.61% |
| Q4 2023 | 88.95% | 89.74% | 87.16% |
| Q1 2024 | 88.40% | 89.19% | 86.56% |
| Q2 2024 | 88.41% | 88.48% | 85.79% |
| Q3 2024 | 87.73% | 88.20% | 85.53% |
| Q4 2024 | 87.81% | 88.11% | 85.50% |
| Q1 2025 | 87.10% | 87.68% | 85.07% |
| Q2 2025 | 87.92% | 87.31% | 84.69% |
| Q3 2025 | 86.41% | 86.38% | 83.67% |
| Q4 2025 | 85.44% | 86.07% | 83.38% |
| Q1 2026 | 84.61% | 85.63% | 82.91% |
| Q2 2026 | 84.56% | 84.97% | 82.22% |
First Financial Trust N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Trust N.A., 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 Trust N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 1369870)