First National Bank and Trust Company of Bottineau: 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%.
Accumulated other comprehensive income dropped 8.9% in Q2 2026, from -$1.1M to -$1.2M. It was the largest change from Q1 2026 among the key lines here.
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 | 13.60% |
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 | $24.5M |
| Tier 1 capital | $24.5M |
| Total risk-based capital | — |
| Total equity capital | $23.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.27% |
| Tangible equity to tangible assets | 13.27% |
| Equity capital to average assets | 12.96% |
| Internal capital growth rate | 9.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $22.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 13.89% | 11.59% | 11.59% |
| Q4 2023 | 13.79% | 12.09% | 12.09% |
| Q1 2024 | 13.67% | 12.05% | 12.05% |
| Q2 2024 | 14.16% | 12.79% | 12.79% |
| Q3 2024 | 14.76% | 14.19% | 14.19% |
| Q4 2024 | 14.94% | 13.55% | 13.55% |
| Q1 2025 | 14.42% | 12.63% | 12.63% |
| Q2 2025 | 14.33% | 13.89% | 13.89% |
| Q3 2025 | 14.96% | 14.70% | 14.70% |
| Q4 2025 | 14.14% | 13.81% | 13.81% |
| Q1 2026 | 13.86% | 12.74% | 12.74% |
| Q2 2026 | 13.60% | 13.27% | 13.27% |
First National Bank and Trust Company of Bottineau 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 of Bottineau, 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 of Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3902) · FFIEC NIC profile (RSSD 974558)