The First National Bank of Ava: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 10.1% lower than in Q1 2026, at -$1.6M. The First National Bank of Ava ranks 51st of 198 Illinois banks on CET1 ratio, in the upper half at 19.35% (Q2 2026). At 19.35%, The First National Bank of Ava's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.35% |
| Tier 1 risk-based capital ratio | 19.35% |
| Total risk-based capital ratio | 20.61% |
| Tier 1 leverage ratio | 12.76% |
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 | $10.2M |
| Tier 1 capital | $10.2M |
| Total risk-based capital | $10.8M |
| Total equity capital | $8.5M |
| Risk-weighted assets | $52.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.91% |
| Tangible equity to tangible assets | 10.91% |
| Equity capital to average assets | 10.74% |
| Internal capital growth rate | 4.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $100K |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 20.15% | 20.15% | 21.40% | 13.17% | $46.0M |
| Q4 2023 | 20.96% | 20.96% | 22.22% | 13.38% | $44.7M |
| Q1 2024 | 21.21% | 21.21% | 22.47% | 12.91% | $43.8M |
| Q2 2024 | 21.47% | 21.47% | 22.73% | 13.11% | $43.4M |
| Q3 2024 | 20.64% | 20.64% | 21.90% | 12.59% | $45.4M |
| Q4 2024 | 20.83% | 20.83% | 22.09% | 12.31% | $46.1M |
| Q1 2025 | 20.73% | 20.73% | 21.98% | 12.22% | $46.6M |
| Q2 2025 | 21.08% | 21.08% | 22.34% | 12.32% | $46.2M |
| Q3 2025 | 19.56% | 19.56% | 20.81% | 12.45% | $50.4M |
| Q4 2025 | 19.54% | 19.54% | 20.79% | 12.61% | $50.9M |
| Q1 2026 | 19.69% | 19.69% | 20.94% | 12.53% | $51.0M |
| Q2 2026 | 19.35% | 19.35% | 20.61% | 12.76% | $52.5M |
The First National Bank of Ava regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Ava, 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 The First National Bank of Ava profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3761) · FFIEC NIC profile (RSSD 858443)