First International Bank and Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.71% (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: 3.71% (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 10.68% +4.18 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 | $553.0M | 552,961 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.18B | 5,175,339 | RCOAA223 |
| Recomputed ratio | 10.68% | numerator / denominator | |
| Filed ratio | 10.68% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.18 pp | $216.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.68% +2.68 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 | $553.0M | 552,961 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.18B | 5,175,339 | RCOAA223 |
| Recomputed ratio | 10.68% | numerator / denominator | |
| Filed ratio | 10.68% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.68 pp | $138.9M | capital that could be lost first |
Total risk-based capital ratio 11.71% +1.71 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 | $606.0M | 606,048 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.18B | 5,175,339 | RCOAA223 |
| Recomputed ratio | 11.71% | numerator / denominator | |
| Filed ratio | 11.71% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.71 pp | $88.5M | capital that could be lost first |
Tier 1 leverage ratio 9.06% +4.06 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 | $553.0M | 552,961 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.11B | 6,105,788 | RCOAA224 |
| Recomputed ratio | 9.06% | numerator / denominator | |
| Filed ratio | 9.06% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.06 pp | $247.7M | 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 | 108,825 | 108,825 | 108,825 | 108,825 | 108,825 | 108,825 | RCOAP742 |
| Retained earnings | 450,341 | 454,306 | 440,598 | 421,399 | 413,316 | 424,620 | RCOAKW00 |
| Accumulated other comprehensive income | (41,452) | (43,366) | (38,497) | (44,670) | (55,193) | (60,034) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 517,714 | 519,765 | 510,926 | 485,554 | 466,948 | 473,411 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 35,247 | 36,762 | 31,495 | 37,269 | 47,099 | 51,517 | P859 - P840 |
| Common equity Tier 1 capital | 552,961 | 556,527 | 542,421 | 522,823 | 514,047 | 524,928 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 552,961 | 556,527 | 542,421 | 522,823 | 514,047 | 524,928 | RCOA8274 |
| Tier 2 capital | 53,087 | 51,247 | 52,969 | 50,238 | 49,041 | 47,490 | RCOA5311 |
| Allowance includable in Tier 2 capital | 53,087 | 51,247 | 52,969 | 50,238 | 49,041 | 47,490 | RCOA5310 |
| Total capital | 606,048 | 607,774 | 595,390 | 573,061 | 563,088 | 572,418 | RCOA3792 |
| Total risk-weighted assets | 5,175,339 | 4,998,208 | 4,942,642 | 4,806,368 | 4,669,334 | 4,470,555 | RCOAA223 |
| Average total assets for the leverage ratio | 6,105,788 | 5,970,500 | 5,837,278 | 5,702,535 | 5,523,326 | 5,447,796 | 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 | $336.3M | $12.2M | 3.63% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $647.1M | $137.8M | 21.29% | 2.66% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $928.1M | $531.9M | 57.31% | 10.28% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $3.8M | $5.8M | 150.00% | 0.11% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $70.5M | $104.7M | 148.43% | 2.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.99B | $3.93B | 98.67% | 75.99% | RC-R Part II, item 4.d, 5.d |
| All other assets | $271.0M | $266.6M | 98.40% | 5.15% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $6.2M | $77.5M | 1250.00% | 1.50% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $119.7M | $95.7M | 79.99% | 1.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.9M | $634K | 32.69% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $9.6M | NA | 0.18% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $5.17B | ties to item 31 ($5.17B) |
|---|---|---|
| Risk-weighted assets before deductions | $5.18B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $5.18B | 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 | 10.68% | 10.68% | 11.71% | 9.06% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.13% | 11.13% | 12.16% | 9.32% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.97% | 10.97% | 12.05% | 9.29% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.88% | 10.88% | 11.92% | 9.17% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.01% | 11.01% | 12.06% | 9.31% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.74% | 11.74% | 12.80% | 9.64% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.24% | 11.24% | 12.28% | 9.17% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.37% | 10.37% | 11.37% | 8.51% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.04% | 10.04% | 11.08% | 8.46% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.19% | 10.19% | 11.28% | 8.63% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 9.93% | 9.93% | 10.99% | 8.54% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.87% | 9.87% | 10.95% | 8.46% | 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 International Bank and Trust (this bank) | Risk-based | 10.68% | 10.68% | 11.71% | 9.06% | |
| First Financial Bank, N.A. | $6.17B | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% |
| 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% |
| Mercantile Bank | $6.24B | Risk-based | 12.59% | 12.59% | 13.54% | 11.61% |
| SmartBank | $6.11B | Risk-based | 11.38% | 11.38% | 12.30% | 9.86% |
| 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 | 12.50% | 12.50% | 13.56% | 10.00% | ||
| Peer median | 12.62% | 12.62% | 13.69% | 10.36% | ||
| Peer 75th percentile | 13.18% | 13.18% | 14.44% | 11.29% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/236153/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.