The First National Bank and Trust Company of Miami: 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%.
Equity capital to total assets climbed 1.34 percentage points in Q2 2026, from 12.96% to 14.30%. 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 | 13.42% |
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 | $26.6M |
| Tier 1 capital | $26.6M |
| Total risk-based capital | — |
| Total equity capital | $27.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.30% |
| Tangible equity to tangible assets | 13.79% |
| Equity capital to average assets | 13.75% |
| Internal capital growth rate | 9.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $607K |
| Common stock surplus | $3.4M |
| Retained earnings | $23.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34K |
| 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 | 9.28% | 9.09% | 8.62% |
| Q4 2023 | 9.86% | 9.49% | 9.02% |
| Q1 2024 | 10.21% | 9.59% | 9.12% |
| Q2 2024 | 10.82% | 10.54% | 10.06% |
| Q3 2024 | 11.68% | 11.82% | 11.32% |
| Q4 2024 | 12.13% | 12.13% | 11.64% |
| Q1 2025 | 12.40% | 12.08% | 11.60% |
| Q2 2025 | 12.77% | 12.55% | 12.08% |
| Q3 2025 | 12.77% | 12.85% | 12.39% |
| Q4 2025 | 12.40% | 12.73% | 12.25% |
| Q1 2026 | 12.59% | 12.96% | 12.48% |
| Q2 2026 | 13.42% | 14.30% | 13.79% |
The First National Bank and Trust Company of Miami regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank and Trust Company of Miami, 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 The First National Bank and Trust Company of Miami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4148) · FFIEC NIC profile (RSSD 837158)