First National Bank in Ord: 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%.
Risk-weighted assets rose 3.0% from Q1 2026 to Q2 2026, ending at $84.1M against $81.6M. It was the largest change among the key lines on this page. Among 57 Nebraska banks, First National Bank in Ord sits 5th from the top on CET1 ratio, 22.83% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, First National Bank in Ord reported 22.83% on CET1 ratio in Q2 2026, 7.75 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.83% |
| Tier 1 risk-based capital ratio | 22.83% |
| Total risk-based capital ratio | 24.08% |
| Tier 1 leverage ratio | 11.35% |
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 | $19.2M |
| Tier 1 capital | $19.2M |
| Total risk-based capital | $20.2M |
| Total equity capital | $19.1M |
| Risk-weighted assets | $84.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
| Equity capital to average assets | 11.31% |
| Internal capital growth rate | 10.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $582K |
| Common stock surplus | $1.1M |
| Retained earnings | $17.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$78K |
| 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 | 19.71% | 19.71% | 20.96% | 10.50% | $76.7M |
| Q4 2023 | 18.66% | 18.66% | 19.91% | 10.23% | $78.5M |
| Q1 2024 | — | — | — | 10.36% | — |
| Q2 2024 | 21.22% | 21.22% | 22.47% | 10.70% | $76.7M |
| Q3 2024 | 21.34% | 21.34% | 22.59% | 11.46% | $79.0M |
| Q4 2024 | 18.54% | 18.54% | 19.79% | 11.07% | $88.7M |
| Q1 2025 | 21.38% | 21.38% | 22.64% | 10.97% | $80.1M |
| Q2 2025 | 22.11% | 22.11% | 23.36% | 10.97% | $79.4M |
| Q3 2025 | 22.30% | 22.30% | 23.56% | 11.55% | $80.5M |
| Q4 2025 | 22.73% | 22.73% | 23.98% | 11.46% | $79.3M |
| Q1 2026 | 22.92% | 22.92% | 24.17% | 11.42% | $81.6M |
| Q2 2026 | 22.83% | 22.83% | 24.08% | 11.35% | $84.1M |
First National Bank in Ord regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Ord, 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 Ord profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5460) · FFIEC NIC profile (RSSD 850054)