The First National Bank in Cooper: 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%.
In Q2 2026, Equity capital to total assets edged up by 0.12 percentage points, from 12.77% to 12.88%, the largest move 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 | 13.12% |
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 | $7.6M |
| Tier 1 capital | $7.6M |
| Total risk-based capital | — |
| Total equity capital | $7.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.88% |
| Tangible equity to tangible assets | 12.88% |
| Equity capital to average assets | 12.80% |
| Internal capital growth rate | -3.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $1.1M |
| Retained earnings | $6.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$185K |
| 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 | 9.68% | 11.85% | 11.85% |
| Q4 2023 | 10.93% | 12.43% | 12.43% |
| Q1 2024 | 13.29% | 11.86% | 11.86% |
| Q2 2024 | 13.32% | 12.13% | 12.13% |
| Q3 2024 | 13.94% | 13.36% | 13.36% |
| Q4 2024 | 14.26% | 12.88% | 12.88% |
| Q1 2025 | 13.60% | 12.68% | 12.68% |
| Q2 2025 | 13.56% | 12.97% | 12.97% |
| Q3 2025 | 13.91% | 13.59% | 13.59% |
| Q4 2025 | 13.61% | 13.17% | 13.17% |
| Q1 2026 | 13.26% | 12.77% | 12.77% |
| Q2 2026 | 13.12% | 12.88% | 12.88% |
The First National Bank in Cooper regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Cooper, 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 in Cooper profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3149) · FFIEC NIC profile (RSSD 767152)