First National Bank and Trust: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.35 percentage points in Q2 2026 to 7.82%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.54% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $27.5M |
| Tier 1 capital | $27.5M |
| Total risk-based capital | — |
| Total equity capital | $18.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.82% |
| Tangible equity to tangible assets | 7.82% |
| Equity capital to average assets | 7.83% |
| Internal capital growth rate | 3.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $4.2M |
| Retained earnings | $23.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.23% | 5.21% | 5.21% |
| Q4 2023 | 12.29% | 6.79% | 6.79% |
| Q1 2024 | 12.06% | 6.70% | 6.70% |
| Q2 2024 | 12.17% | 6.64% | 6.64% |
| Q3 2024 | 12.11% | 7.50% | 7.50% |
| Q4 2024 | 11.74% | 6.37% | 6.37% |
| Q1 2025 | 12.10% | 6.96% | 6.96% |
| Q2 2025 | 11.91% | 6.86% | 6.86% |
| Q3 2025 | 12.03% | 7.60% | 7.60% |
| Q4 2025 | 11.68% | 7.66% | 7.66% |
| Q1 2026 | 11.50% | 7.47% | 7.47% |
| Q2 2026 | 11.54% | 7.82% | 7.82% |
First National Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2779) · FFIEC NIC profile (RSSD 670430)