First National Bank Alaska: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.25% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 11.25% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 18.52% +12.02 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $610.4M | 610,407 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.30B | 3,296,389 | RCOAA223 |
| Recomputed ratio | 18.52% | numerator / denominator | |
| Filed ratio | 18.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.02 pp | $396.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.52% +10.52 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $610.4M | 610,407 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.30B | 3,296,389 | RCOAA223 |
| Recomputed ratio | 18.52% | numerator / denominator | |
| Filed ratio | 18.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.52 pp | $346.7M | capital that could be lost first |
Total risk-based capital ratio 19.25% +9.25 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $634.6M | 634,607 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.30B | 3,296,389 | RCOAA223 |
| Recomputed ratio | 19.25% | numerator / denominator | |
| Filed ratio | 19.25% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.25 pp | $305.0M | capital that could be lost first |
Tier 1 leverage ratio 11.95% +6.95 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $610.4M | 610,407 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.11B | 5,109,719 | RCOAA224 |
| Recomputed ratio | 11.95% | numerator / denominator | |
| Filed ratio | 11.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.95 pp | $354.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 71,669 | 71,669 | 71,669 | 71,669 | 71,669 | 71,669 | RCOAP742 |
| Retained earnings | 538,738 | 530,580 | 522,079 | 527,351 | 518,659 | 512,944 | RCOAKW00 |
| Accumulated other comprehensive income | (25,191) | (25,812) | (24,502) | (31,296) | (40,193) | (49,465) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 585,216 | 576,437 | 569,246 | 567,724 | 550,135 | 535,148 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 25,191 | 25,812 | 24,502 | 31,296 | 40,193 | 49,465 | P859 - P840 |
| Common equity Tier 1 capital | 610,407 | 602,249 | 593,748 | 599,020 | 590,328 | 584,613 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 610,407 | 602,249 | 593,748 | 599,020 | 590,328 | 584,613 | RCOA8274 |
| Tier 2 capital | 24,200 | 23,050 | 23,500 | 21,500 | 21,225 | 20,550 | RCOA5311 |
| Allowance includable in Tier 2 capital | 24,200 | 23,050 | 23,500 | 21,500 | 21,225 | 20,550 | RCOA5310 |
| Total capital | 634,607 | 625,299 | 617,248 | 620,520 | 611,553 | 605,163 | RCOA3792 |
| Total risk-weighted assets | 3,296,389 | 3,247,714 | 3,239,975 | 3,059,691 | 3,044,010 | 3,014,643 | RCOAA223 |
| Average total assets for the leverage ratio | 5,109,719 | 5,059,082 | 5,267,822 | 5,121,715 | 4,938,051 | 4,986,490 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $339.0M | $67K | 0.02% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.86B | $305.7M | 16.42% | 9.27% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $784.8M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $188.2M | $99.0M | 52.59% | 3.00% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $11.8M | $17.7M | 150.00% | 0.54% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $13.1M | $13.1M | 100.00% | 0.40% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.62B | $2.45B | 93.56% | 74.27% | RC-R Part II, item 4.d, 5.d |
| All other assets | $150.6M | $141.4M | 93.86% | 4.29% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $271.2M | $271.2M | 100.00% | 8.23% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.30B | ties to item 31 ($3.30B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.30B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.30B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 18.52% | 18.52% | 19.25% | 11.95% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.54% | 18.54% | 19.25% | 11.90% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 18.33% | 18.33% | 19.05% | 11.27% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.58% | 19.58% | 20.28% | 11.70% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.39% | 19.39% | 20.09% | 11.95% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 19.39% | 19.39% | 20.07% | 11.72% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 19.47% | 19.47% | 20.12% | 10.54% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.93% | 19.93% | 20.61% | 10.39% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 19.66% | 19.66% | 20.36% | 11.12% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 19.56% | 19.56% | 20.26% | 9.96% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 19.77% | 19.77% | 20.45% | 9.85% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 19.34% | 19.34% | 20.02% | 9.98% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Bank Alaska (this bank) | Risk-based | 18.52% | 18.52% | 19.25% | 11.95% | |
| Vantage Bank Texas | $5.14B | Risk-based | 10.13% | 10.13% | 11.38% | 9.02% |
| Community Bank of Mississippi | $5.09B | Risk-based | 13.15% | 13.15% | 14.40% | 8.32% |
| Barrington Bank & Trust Company, N.A. | $5.17B | Risk-based | 10.91% | 10.91% | 11.53% | 10.08% |
| Southern Bank | $5.19B | Risk-based | 12.12% | 12.12% | 13.37% | 10.45% |
| Community West Bank | $5.02B | Risk-based | 12.55% | 12.55% | 13.79% | 10.98% |
| Northeast Bank | $5.23B | Risk-based | 13.46% | 13.46% | 14.71% | 11.90% |
| Bank of Stockton | $4.99B | Risk-based | 18.81% | 18.81% | 20.07% | 19.95% |
| Alerus Financial, N.A. | $5.28B | Risk-based | 10.92% | 10.92% | 12.11% | 9.26% |
| Leader Bank, N.A. | $5.28B | Risk-based | 19.80% | 19.80% | 21.06% | 11.58% |
| Peer 25th percentile | 10.92% | 10.92% | 12.11% | 9.26% | ||
| Peer median | 12.55% | 12.55% | 13.79% | 10.45% | ||
| Peer 75th percentile | 13.46% | 13.46% | 14.71% | 11.58% | ||
| This bank's percentile | 78 | 78 | 78 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/114260/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.