First National Bank in Philip: 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 Accumulated other comprehensive income, which rose 6.3% to -$4.0M. Within South Dakota, First National Bank in Philip is 18th of 36 on CET1 ratio, 15.39% 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 in Philip reported 15.39% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.39% |
| Tier 1 risk-based capital ratio | 15.39% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 12.05% |
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 | $55.6M |
| Tier 1 capital | $55.6M |
| Total risk-based capital | $59.5M |
| Total equity capital | $51.6M |
| Risk-weighted assets | $361.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.25% |
| Tangible equity to tangible assets | 11.25% |
| Equity capital to average assets | 11.18% |
| Internal capital growth rate | 2.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $800K |
| Retained earnings | $54.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 15.48% | 15.48% | 16.73% | 12.62% | $299.2M |
| Q4 2023 | 16.02% | 16.02% | 17.27% | 12.11% | $296.0M |
| Q1 2024 | 16.69% | 16.69% | 17.94% | 12.77% | $288.7M |
| Q2 2024 | 15.56% | 15.56% | 16.75% | 13.03% | $308.5M |
| Q3 2024 | 15.56% | 15.56% | 16.76% | 13.01% | $311.3M |
| Q4 2024 | 16.84% | 16.84% | 18.09% | 12.11% | $299.4M |
| Q1 2025 | 16.71% | 16.71% | 17.94% | 11.99% | $304.4M |
| Q2 2025 | 15.45% | 15.45% | 16.59% | 12.23% | $329.6M |
| Q3 2025 | 15.29% | 15.29% | 16.40% | 12.77% | $339.5M |
| Q4 2025 | 15.76% | 15.76% | 16.85% | 11.33% | $343.4M |
| Q1 2026 | 15.70% | 15.70% | 16.77% | 11.67% | $352.0M |
| Q2 2026 | 15.39% | 15.39% | 16.46% | 12.05% | $361.4M |
First National Bank in Philip regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Philip, 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 Philip profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3999) · FFIEC NIC profile (RSSD 538754)