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, Total equity capital rose 5.2% in Q2 2026 to $35.3M, the biggest move on this page. Within Tennessee, First National Bank is 14th of 71 on CET1 ratio, 18.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First National Bank sits 3.61 points higher, at 18.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.69% |
| Tier 1 risk-based capital ratio | 18.69% |
| Total risk-based capital ratio | 19.96% |
| Tier 1 leverage ratio | 10.98% |
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 | $41.1M |
| Tier 1 capital | $41.1M |
| Total risk-based capital | $43.9M |
| Total equity capital | $35.3M |
| Risk-weighted assets | $219.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.45% |
| Internal capital growth rate | 14.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $393K |
| Common stock surplus | $393K |
| Retained earnings | $40.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 18.72% | 18.72% | 19.99% | 10.74% | $177.1M |
| Q4 2023 | 17.78% | 17.78% | 19.05% | 10.96% | $189.5M |
| Q1 2024 | 18.39% | 18.39% | 19.66% | 10.84% | $185.5M |
| Q2 2024 | 18.52% | 18.52% | 19.79% | 11.04% | $189.5M |
| Q3 2024 | 18.26% | 18.26% | 19.53% | 11.19% | $195.7M |
| Q4 2024 | 18.29% | 18.29% | 19.56% | 11.13% | $198.9M |
| Q1 2025 | 18.49% | 18.49% | 19.76% | 10.87% | $200.6M |
| Q2 2025 | 18.55% | 18.55% | 19.82% | 10.85% | $205.4M |
| Q3 2025 | 18.51% | 18.51% | 19.78% | 10.92% | $209.4M |
| Q4 2025 | 18.61% | 18.61% | 19.88% | 10.98% | $210.5M |
| Q1 2026 | 18.60% | 18.60% | 19.86% | 10.79% | $214.5M |
| Q2 2026 | 18.69% | 18.69% | 19.96% | 10.98% | $219.7M |
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 4958) · FFIEC NIC profile (RSSD 966731)