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%.
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.
Compared with Q1 2026, Equity capital to total assets rose 0.63 percentage points in Q2 2026 to 18.11%, the biggest move on this page. First National Bank ranks 11th of 36 South Dakota banks on CET1 ratio, in the upper half at 20.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First National Bank sits 5.38 points higher, at 20.47% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.47% |
| Tier 1 risk-based capital ratio | 22.81% |
| Total risk-based capital ratio | 24.12% |
| Tier 1 leverage ratio | 18.41% |
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 | $81.1M |
| Tier 1 capital | $90.3M |
| Total risk-based capital | $95.5M |
| Total equity capital | $86.5M |
| Risk-weighted assets | $396.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.11% |
| Tangible equity to tangible assets | 17.97% |
| Equity capital to average assets | 17.60% |
| Internal capital growth rate | 10.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $18.4M |
| Retained earnings | $61.0M |
| Preferred stock and surplus | $9.3M |
| Accumulated other comprehensive income | -$4.6M |
| 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 | 14.03% | 16.62% | 17.96% | 14.12% | $359.1M |
| Q4 2023 | 14.08% | 16.64% | 17.98% | 13.83% | $362.9M |
| Q1 2024 | 14.64% | 17.28% | 18.62% | 13.14% | $352.2M |
| Q2 2024 | 14.81% | 17.44% | 18.78% | 13.44% | $352.4M |
| Q3 2024 | 14.73% | 17.27% | 18.61% | 13.80% | $364.8M |
| Q4 2024 | 15.09% | 17.59% | 18.92% | 14.20% | $371.5M |
| Q1 2025 | 15.38% | 17.83% | 19.15% | 14.49% | $379.4M |
| Q2 2025 | 15.98% | 18.42% | 19.74% | 15.07% | $379.6M |
| Q3 2025 | 16.79% | 19.27% | 20.59% | 15.79% | $373.7M |
| Q4 2025 | 16.98% | 19.42% | 20.73% | 16.16% | $381.3M |
| Q1 2026 | 20.31% | 22.70% | 24.01% | 18.30% | $387.8M |
| Q2 2026 | 20.47% | 22.81% | 24.12% | 18.41% | $396.1M |
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 25894) · FFIEC NIC profile (RSSD 944355)