First National Bank in New Bremen: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 9.4% lower than in Q1 2026, at -$3.5M. Among 84 Ohio banks, First National Bank in New Bremen sits 6th from the top on CET1 ratio, 32.11% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, First National Bank in New Bremen reported 32.11% on CET1 ratio in Q2 2026, 17.04 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.11% |
| Tier 1 risk-based capital ratio | 32.11% |
| Total risk-based capital ratio | 33.37% |
| Tier 1 leverage ratio | 10.83% |
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 | $50.8M |
| Tier 1 capital | $50.8M |
| Total risk-based capital | $52.8M |
| Total equity capital | $47.4M |
| Risk-weighted assets | $158.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
| Equity capital to average assets | 10.09% |
| Internal capital growth rate | 11.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $788K |
| Common stock surplus | $1.5M |
| Retained earnings | $49.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 28.37% | 28.37% | 29.62% | 10.08% | $147.3M |
| Q4 2023 | 28.45% | 28.45% | 29.70% | 9.75% | $147.1M |
| Q1 2024 | 27.75% | 27.75% | 29.01% | 10.10% | $154.0M |
| Q2 2024 | 27.24% | 27.24% | 28.50% | 10.17% | $160.9M |
| Q3 2024 | 28.12% | 28.12% | 29.38% | 10.15% | $159.9M |
| Q4 2024 | 27.58% | 27.58% | 28.84% | 9.78% | $162.5M |
| Q1 2025 | 28.00% | 28.00% | 29.26% | 10.27% | $164.5M |
| Q2 2025 | 28.31% | 28.31% | 29.57% | 10.53% | $167.2M |
| Q3 2025 | 29.24% | 29.24% | 30.50% | 10.88% | $165.5M |
| Q4 2025 | 29.85% | 29.85% | 31.11% | 10.67% | $161.9M |
| Q1 2026 | 30.46% | 30.46% | 31.72% | 10.81% | $162.4M |
| Q2 2026 | 32.11% | 32.11% | 33.37% | 10.83% | $158.2M |
First National Bank in New Bremen regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in New Bremen, 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 New Bremen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14836) · FFIEC NIC profile (RSSD 204826)