First National Bank in Deridder: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.38 percentage points in Q2 2026 to 8.95%, the biggest move on this page. First National Bank in Deridder ranks 23rd of 46 Louisiana banks on CET1 ratio, in the upper half at 17.24% (Q2 2026). First National Bank in Deridder reported 17.24% on CET1 ratio for Q2 2026, 2.17 points above 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 | 17.24% |
| Tier 1 risk-based capital ratio | 17.24% |
| Total risk-based capital ratio | 18.36% |
| Tier 1 leverage ratio | 9.84% |
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 | $42.5M |
| Tier 1 capital | $42.5M |
| Total risk-based capital | $45.2M |
| Total equity capital | $37.5M |
| Risk-weighted assets | $246.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 8.70% |
| Internal capital growth rate | 12.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $2.0M |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | 15.46% | 15.46% | 16.43% | 9.74% | $227.1M |
| Q4 2023 | 15.76% | 15.76% | 16.75% | 9.87% | $226.9M |
| Q1 2024 | 15.74% | 15.74% | 16.85% | 9.53% | $228.7M |
| Q2 2024 | 15.97% | 15.97% | 17.15% | 9.82% | $227.3M |
| Q3 2024 | 16.37% | 16.37% | 17.56% | 9.78% | $224.0M |
| Q4 2024 | 16.45% | 16.45% | 17.43% | 9.61% | $225.8M |
| Q1 2025 | 16.41% | 16.41% | 17.42% | 9.58% | $230.7M |
| Q2 2025 | 16.59% | 16.59% | 17.62% | 9.91% | $233.5M |
| Q3 2025 | 16.81% | 16.81% | 17.80% | 10.07% | $235.9M |
| Q4 2025 | 17.29% | 17.29% | 18.28% | 10.32% | $234.0M |
| Q1 2026 | 17.25% | 17.25% | 18.31% | 9.79% | $239.3M |
| Q2 2026 | 17.24% | 17.24% | 18.36% | 9.84% | $246.3M |
First National Bank in Deridder regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Deridder, 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 in Deridder profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14427) · FFIEC NIC profile (RSSD 480433)