First National Bank, Cortez: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.4% to $13.7M. Within Colorado, First National Bank, Cortez is 17th of 34 on CET1 ratio, 15.00% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; First National Bank, Cortez reported 15.00% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 9.98% |
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 | $15.7M |
| Tier 1 capital | $15.7M |
| Total risk-based capital | $17.0M |
| Total equity capital | $14.4M |
| Risk-weighted assets | $104.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 9.15% |
| Internal capital growth rate | 12.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $13.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 15.53% | 15.53% | 16.76% | 10.58% | $89.3M |
| Q4 2023 | 15.45% | 15.45% | 16.70% | 10.78% | $92.2M |
| Q1 2024 | 14.39% | 14.39% | 15.57% | 10.24% | $96.8M |
| Q2 2024 | 15.18% | 15.18% | 16.39% | 10.14% | $94.2M |
| Q3 2024 | 15.29% | 15.29% | 16.49% | 10.34% | $95.8M |
| Q4 2024 | 15.54% | 15.54% | 16.79% | 10.64% | $96.3M |
| Q1 2025 | 15.76% | 15.76% | 17.01% | 10.43% | $93.3M |
| Q2 2025 | 14.98% | 14.98% | 16.20% | 10.19% | $101.1M |
| Q3 2025 | 15.75% | 15.75% | 17.00% | 10.12% | $99.3M |
| Q4 2025 | 15.80% | 15.80% | 17.05% | 10.55% | $101.7M |
| Q1 2026 | 14.81% | 14.81% | 16.04% | 9.89% | $103.2M |
| Q2 2026 | 15.00% | 15.00% | 16.25% | 9.98% | $104.8M |
First National Bank, Cortez regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank, Cortez, 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, Cortez profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17872) · FFIEC NIC profile (RSSD 968155)