First National Bank and Trust Company: 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 Total equity capital: 31.0% higher than in Q1 2026, at $4.0M. First National Bank and Trust Company ranks 153rd of 198 Illinois banks on CET1 ratio, in the lower half at 12.10% (Q2 2026). First National Bank and Trust Company reported 12.10% on CET1 ratio for Q2 2026, 2.97 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 12.58% |
| Tier 1 leverage ratio | 7.79% |
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 | $29.0M |
| Tier 1 capital | $29.0M |
| Total risk-based capital | $30.1M |
| Total equity capital | $4.0M |
| Risk-weighted assets | $239.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 1.02% |
| Tangible equity to tangible assets | -0.03% |
| Equity capital to average assets | 1.05% |
| Internal capital growth rate | -11.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $332K |
| Common stock surplus | $28.1M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$30.6M |
| 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 | 12.63% | 12.63% | 12.99% | 7.82% | $216.4M |
| Q4 2023 | 12.41% | 12.41% | 12.80% | 7.37% | $218.3M |
| Q1 2024 | 12.72% | 12.72% | 13.12% | 7.60% | $215.3M |
| Q2 2024 | 13.00% | 13.00% | 13.38% | 7.62% | $210.0M |
| Q3 2024 | 12.68% | 12.68% | 13.13% | 7.40% | $216.0M |
| Q4 2024 | 12.98% | 12.98% | 13.36% | 7.39% | $212.6M |
| Q1 2025 | 13.04% | 13.04% | 13.46% | 7.42% | $212.7M |
| Q2 2025 | 12.94% | 12.94% | 13.37% | 7.40% | $212.9M |
| Q3 2025 | 11.83% | 11.83% | 12.33% | 7.58% | $233.9M |
| Q4 2025 | 12.14% | 12.14% | 12.67% | 7.44% | $225.8M |
| Q1 2026 | 12.49% | 12.49% | 12.99% | 7.78% | $229.6M |
| Q2 2026 | 12.10% | 12.10% | 12.58% | 7.79% | $239.3M |
First National Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3639) · FFIEC NIC profile (RSSD 32234)