First General 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.58 percentage points to 25.80%.
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 | 26.30% |
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 | $303.7M |
| Tier 1 capital | $303.7M |
| Total risk-based capital | — |
| Total equity capital | $303.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 25.80% |
| Tangible equity to tangible assets | 25.79% |
| Equity capital to average assets | 26.24% |
| Internal capital growth rate | 1.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $51.9M |
| Common stock surplus | $2.5M |
| Retained earnings | $249.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$854K |
| 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 | 21.38% | 21.23% | 21.22% |
| Q4 2023 | 21.87% | 21.43% | 21.41% |
| Q1 2024 | 23.24% | 23.12% | 23.10% |
| Q2 2024 | 23.34% | 23.27% | 23.25% |
| Q3 2024 | 23.96% | 23.65% | 23.63% |
| Q4 2024 | 23.90% | 23.71% | 23.70% |
| Q1 2025 | 24.65% | 24.57% | 24.55% |
| Q2 2025 | 25.13% | 25.05% | 25.04% |
| Q3 2025 | 25.61% | 25.67% | 25.65% |
| Q4 2025 | 25.85% | 25.91% | 25.89% |
| Q1 2026 | 26.44% | 26.39% | 26.37% |
| Q2 2026 | 26.30% | 25.80% | 25.79% |
First General Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First General 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 General Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58060) · FFIEC NIC profile (RSSD 3386264)