First National 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%.
Compared with Q1 2026, Total risk-based capital ratio rose 1.49 percentage points in Q2 2026 to 22.79%, the biggest move on this page. First National Bank ranks 50th of 184 Texas banks on CET1 ratio, in the upper half at 21.53% (Q2 2026). First National Bank reported 21.53% on CET1 ratio for Q2 2026, 1.96 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.53% |
| Tier 1 risk-based capital ratio | 21.53% |
| Total risk-based capital ratio | 22.79% |
| Tier 1 leverage ratio | 9.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $10.5M |
| Total equity capital | $5.8M |
| Risk-weighted assets | $46.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.04% |
| Tangible equity to tangible assets | 6.04% |
| Equity capital to average assets | 5.71% |
| Internal capital growth rate | 12.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $2.4M |
| Retained earnings | $6.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.09% | 21.09% | 22.36% | 9.54% | $44.7M |
| Q4 2023 | 20.45% | 20.45% | 21.72% | 9.68% | $45.6M |
| Q1 2024 | 20.90% | 20.90% | 22.17% | 8.99% | $40.3M |
| Q2 2024 | 20.77% | 20.77% | 22.04% | 9.78% | $41.2M |
| Q3 2024 | 21.37% | 21.37% | 22.65% | 9.35% | $40.7M |
| Q4 2024 | 18.88% | 18.88% | 20.14% | 9.03% | $45.6M |
| Q1 2025 | 19.49% | 19.49% | 20.75% | 9.06% | $45.3M |
| Q2 2025 | 22.37% | 22.37% | 23.63% | 10.11% | $41.8M |
| Q3 2025 | 21.83% | 21.83% | 23.09% | 10.09% | $43.5M |
| Q4 2025 | 20.14% | 20.14% | 21.40% | 9.81% | $47.6M |
| Q1 2026 | 20.04% | 20.04% | 21.30% | 9.68% | $48.7M |
| Q2 2026 | 21.53% | 21.53% | 22.79% | 9.71% | $46.1M |
First National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34455) · FFIEC NIC profile (RSSD 2490285)