First Independent Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 11.63% +2.63 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $17.0M | 16,985 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $146.1M | 146,105 | RCOAA224 |
| Recomputed ratio | 11.63% | numerator / denominator | |
| Filed ratio | 11.63% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.63 pp | $3.8M | 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 | 3,243 | 3,243 | 3,243 | 3,243 | 3,243 | 3,243 | RCOAP742 |
| Retained earnings | 13,742 | 13,300 | 13,033 | 12,908 | 12,579 | 12,100 | RCOAKW00 |
| Accumulated other comprehensive income | (1,161) | (1,024) | (934) | (1,068) | (1,399) | (1,615) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,824 | 15,519 | 15,342 | 15,083 | 14,423 | 13,728 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,161 | 1,024 | 934 | 1,068 | 1,399 | 1,615 | P859 - P840 |
| Common equity Tier 1 capital | 16,985 | 16,543 | 16,276 | 16,151 | 15,822 | 15,343 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,985 | 16,543 | 16,276 | 16,151 | 15,822 | 15,343 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 146,105 | 141,994 | 141,428 | 140,782 | 140,944 | 137,347 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 11.63% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.65% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.51% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.47% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.23% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.17% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.51% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.33% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.25% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.16% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.40% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.18% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Independent Bank (this bank) | CBLR | NA | NA | NA | 11.63% | |
| Peoples Bank Co. | $147.7M | CBLR | NA | NA | NA | 8.36% |
| BANK19 | $147.8M | Risk-based | 33.25% | 33.25% | 33.97% | 15.33% |
| Mason Bank | $147.5M | CBLR | NA | NA | NA | 19.86% |
| First State Bank of Roscoe | $147.5M | Risk-based | 23.95% | 23.95% | 25.05% | 13.84% |
| First New Mexico Bank of Silver City | $147.5M | CBLR | NA | NA | NA | 14.27% |
| State Bank of Downs | $148.0M | CBLR | NA | NA | NA | 12.64% |
| Farmers Trust & Savings Bank | $148.1M | Risk-based | 13.31% | 13.31% | 14.32% | 9.00% |
| Du Quoin State Bank | $148.2M | Risk-based | 25.11% | 25.11% | 26.23% | 10.78% |
| Bank of Pensacola | $147.0M | CBLR | NA | NA | NA | 9.84% |
| Peer 25th percentile | 21.29% | 21.29% | 22.36% | 9.84% | ||
| Peer median | 24.53% | 24.53% | 25.64% | 12.64% | ||
| Peer 75th percentile | 27.15% | 27.15% | 28.17% | 14.27% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/366658/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.