First National Bank in Port Lavaca: 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 biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged up 1.0% between Q1 2026 and Q2 2026, to -$11.7M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.00% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $49.2M |
| Tier 1 capital | $49.2M |
| Total risk-based capital | — |
| Total equity capital | $37.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.39% |
| Tangible equity to tangible assets | 10.39% |
| Equity capital to average assets | 9.92% |
| Internal capital growth rate | -2.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.8M |
| Common stock surplus | $4.8M |
| Retained earnings | $42.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.83% | 6.14% | 6.14% |
| Q4 2023 | 11.91% | 7.82% | 7.82% |
| Q1 2024 | 11.60% | 7.00% | 7.00% |
| Q2 2024 | 11.53% | 7.58% | 7.58% |
| Q3 2024 | 11.39% | 8.58% | 8.58% |
| Q4 2024 | 11.35% | 7.94% | 7.94% |
| Q1 2025 | 11.97% | 8.80% | 8.80% |
| Q2 2025 | 12.20% | 9.11% | 9.11% |
| Q3 2025 | 12.79% | 9.96% | 9.96% |
| Q4 2025 | 12.36% | 9.81% | 9.81% |
| Q1 2026 | 12.91% | 10.45% | 10.45% |
| Q2 2026 | 13.00% | 10.39% | 10.39% |
First National Bank in Port Lavaca regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Port Lavaca, 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 Port Lavaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17811) · FFIEC NIC profile (RSSD 855264)