First National Bank in Taylorville: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.1% between Q1 2026 and Q2 2026, to $25.9M.
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 | 14.41% |
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 | $29.8M |
| Tier 1 capital | $29.8M |
| Total risk-based capital | — |
| Total equity capital | $23.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
| Equity capital to average assets | 11.40% |
| Internal capital growth rate | 9.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $280K |
| Common stock surplus | $3.7M |
| Retained earnings | $25.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.32% | 6.15% | 6.13% |
| Q4 2023 | 12.79% | 8.54% | 8.53% |
| Q1 2024 | 13.08% | 8.37% | 8.36% |
| Q2 2024 | 13.19% | 8.59% | 8.58% |
| Q3 2024 | 13.42% | 9.99% | 9.99% |
| Q4 2024 | 13.59% | 9.06% | 9.06% |
| Q1 2025 | 13.62% | 9.70% | 9.70% |
| Q2 2025 | 14.15% | 10.21% | 10.21% |
| Q3 2025 | 14.22% | 11.56% | 11.56% |
| Q4 2025 | 14.13% | 11.47% | 11.47% |
| Q1 2026 | 14.21% | 11.67% | 11.67% |
| Q2 2026 | 14.41% | 11.79% | 11.79% |
First National Bank in Taylorville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Taylorville, 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 Taylorville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17572) · FFIEC NIC profile (RSSD 177443)