First National Bank in Pinckneyville: 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 Total equity capital, which rose 3.0% to $11.6M. Within Illinois, First National Bank in Pinckneyville is 37th of 198 on CET1 ratio, 22.01% 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 Pinckneyville sits 6.94 points higher, at 22.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.01% |
| Tier 1 risk-based capital ratio | 22.01% |
| Total risk-based capital ratio | 22.92% |
| Tier 1 leverage ratio | 11.78% |
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 | $16.4M |
| Tier 1 capital | $16.4M |
| Total risk-based capital | $17.0M |
| Total equity capital | $11.6M |
| Risk-weighted assets | $74.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.38% |
| Tangible equity to tangible assets | 8.11% |
| Equity capital to average assets | 8.33% |
| Internal capital growth rate | 11.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $500K |
| Retained earnings | $15.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 26.32% | 26.32% | 27.21% | 11.86% | $59.1M |
| Q4 2023 | 26.58% | 26.58% | 27.49% | 11.69% | $58.2M |
| Q1 2024 | 26.75% | 26.75% | 27.63% | 11.72% | $58.9M |
| Q2 2024 | 24.85% | 24.85% | 25.65% | 11.71% | $62.6M |
| Q3 2024 | 24.47% | 24.47% | 25.27% | 11.36% | $62.7M |
| Q4 2024 | 23.01% | 23.01% | 23.83% | 10.64% | $64.4M |
| Q1 2025 | 23.27% | 23.27% | 24.11% | 11.16% | $65.0M |
| Q2 2025 | 25.36% | 25.36% | 26.17% | 12.58% | $67.8M |
| Q3 2025 | 25.21% | 25.21% | 26.08% | 12.90% | $69.5M |
| Q4 2025 | 21.99% | 21.99% | 22.86% | 11.29% | $71.3M |
| Q1 2026 | 21.82% | 21.82% | 22.67% | 11.53% | $73.6M |
| Q2 2026 | 22.01% | 22.01% | 22.92% | 11.78% | $74.4M |
First National Bank in Pinckneyville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Pinckneyville, 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 Pinckneyville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13813) · FFIEC NIC profile (RSSD 340443)