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%.
The standout move of Q2 2026 was in Retained earnings: 8.8% higher than in Q1 2026, at $72.4M. First National Bank ranks 33rd of 44 Virginia banks on CET1 ratio, in the lower half at 13.04% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. First National Bank sits 0.44 points lower, at 13.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.04% |
| Tier 1 risk-based capital ratio | 13.04% |
| Total risk-based capital ratio | 13.76% |
| Tier 1 leverage ratio | 8.84% |
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 | $98.1M |
| Tier 1 capital | $98.1M |
| Total risk-based capital | $103.5M |
| Total equity capital | $91.5M |
| Risk-weighted assets | $752.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.03% |
| Tangible equity to tangible assets | 7.93% |
| Equity capital to average assets | 8.24% |
| Internal capital growth rate | 27.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $24.6M |
| Retained earnings | $72.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.8M |
| 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 | 13.10% | 13.10% | 13.81% | 8.65% | $649.2M |
| Q4 2023 | 12.98% | 12.98% | 13.67% | 8.82% | $669.2M |
| Q1 2024 | 12.93% | 12.93% | 13.61% | 8.94% | $684.3M |
| Q2 2024 | 12.80% | 12.80% | 13.47% | 9.14% | $704.6M |
| Q3 2024 | 12.84% | 12.84% | 13.53% | 9.21% | $715.1M |
| Q4 2024 | 12.81% | 12.81% | 13.52% | 9.21% | $734.9M |
| Q1 2025 | 12.94% | 12.94% | 13.65% | 9.35% | $741.4M |
| Q2 2025 | 13.21% | 13.21% | 13.93% | 9.63% | $742.0M |
| Q3 2025 | 12.19% | 12.19% | 12.91% | 8.82% | $742.9M |
| Q4 2025 | 12.46% | 12.46% | 13.18% | 8.89% | $745.6M |
| Q1 2026 | 12.34% | 12.34% | 13.06% | 8.63% | $748.1M |
| Q2 2026 | 13.04% | 13.04% | 13.76% | 8.84% | $752.2M |
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 6811) · FFIEC NIC profile (RSSD 979629)