First National Bank of America: 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%.
In Q2 2026, Retained earnings edged up by 1.9%, from $517.6M to $527.2M, the largest move among the key lines here. First National Bank of America ranks 18th of 43 Michigan banks on CET1 ratio, in the upper half at 15.28% (Q2 2026). First National Bank of America reported 15.28% on CET1 ratio for Q2 2026, 1.80 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.28% |
| Tier 1 risk-based capital ratio | 15.28% |
| Total risk-based capital ratio | 16.54% |
| Tier 1 leverage ratio | 8.13% |
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 | $551.1M |
| Tier 1 capital | $551.1M |
| Total risk-based capital | $596.5M |
| Total equity capital | $550.7M |
| Risk-weighted assets | $3.61B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.08% |
| Tangible equity to tangible assets | 8.08% |
| Equity capital to average assets | 8.13% |
| Internal capital growth rate | 7.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $420K |
| Common stock surplus | $23.4M |
| Retained earnings | $527.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$324K |
| 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 | 15.80% | 15.80% | 17.06% | 8.65% | $2.78B |
| Q4 2023 | 15.53% | 15.53% | 16.79% | 8.37% | $2.94B |
| Q1 2024 | 16.50% | 16.50% | 17.76% | 8.68% | $3.01B |
| Q2 2024 | 16.76% | 16.76% | 18.01% | 8.85% | $3.10B |
| Q3 2024 | 16.22% | 16.22% | 17.48% | 8.64% | $3.21B |
| Q4 2024 | 15.32% | 15.32% | 16.58% | 8.14% | $3.32B |
| Q1 2025 | 15.79% | 15.79% | 17.05% | 8.29% | $3.33B |
| Q2 2025 | 15.49% | 15.49% | 16.75% | 8.27% | $3.40B |
| Q3 2025 | 15.29% | 15.29% | 16.55% | 8.15% | $3.46B |
| Q4 2025 | 15.13% | 15.13% | 16.39% | 8.14% | $3.54B |
| Q1 2026 | 15.17% | 15.17% | 16.43% | 8.04% | $3.57B |
| Q2 2026 | 15.28% | 15.28% | 16.54% | 8.13% | $3.61B |
First National Bank of America regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of America, 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 of America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17438) · FFIEC NIC profile (RSSD 413141)