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%.
Risk-weighted assets rose 4.9% from Q1 2026 to Q2 2026, ending at $247.0M against $235.5M. It was the largest change among the key lines on this page. First National Bank ranks 9th of 50 Indiana banks on CET1 ratio, in the upper half at 16.70% (Q2 2026). First National Bank reported 16.70% on CET1 ratio for Q2 2026, 1.63 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.70% |
| Tier 1 risk-based capital ratio | 16.70% |
| Total risk-based capital ratio | 17.96% |
| Tier 1 leverage ratio | 9.50% |
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 | $41.3M |
| Tier 1 capital | $41.3M |
| Total risk-based capital | $44.4M |
| Total equity capital | $32.2M |
| Risk-weighted assets | $247.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
| Equity capital to average assets | 7.42% |
| Internal capital growth rate | 3.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $540K |
| Common stock surplus | $2.2M |
| Retained earnings | $38.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.1M |
| 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 | 17.46% | 17.46% | 18.72% | 8.69% | $211.9M |
| Q4 2023 | 16.98% | 16.98% | 18.24% | 8.82% | $222.6M |
| Q1 2024 | 17.82% | 17.82% | 19.08% | 9.06% | $213.7M |
| Q2 2024 | 17.53% | 17.53% | 18.79% | 9.07% | $219.6M |
| Q3 2024 | 17.17% | 17.17% | 18.43% | 9.24% | $226.6M |
| Q4 2024 | 17.00% | 17.00% | 18.25% | 9.22% | $232.3M |
| Q1 2025 | 17.73% | 17.73% | 18.99% | 9.49% | $224.2M |
| Q2 2025 | 17.29% | 17.29% | 18.55% | 9.29% | $232.3M |
| Q3 2025 | 17.38% | 17.38% | 18.64% | 9.34% | $233.2M |
| Q4 2025 | 16.75% | 16.75% | 18.01% | 9.30% | $244.3M |
| Q1 2026 | 17.41% | 17.41% | 18.67% | 9.66% | $235.5M |
| Q2 2026 | 16.70% | 16.70% | 17.96% | 9.50% | $247.0M |
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 4324) · FFIEC NIC profile (RSSD 60648)