The First National Bank of Blanchester: 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: Retained earnings edged up 1.3% between Q1 2026 and Q2 2026, to $3.1M. The First National Bank of Blanchester ranks 12th of 84 Ohio banks on CET1 ratio, in the upper half at 22.08% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. The First National Bank of Blanchester sits 2.52 points higher, at 22.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.08% |
| Tier 1 risk-based capital ratio | 22.08% |
| Total risk-based capital ratio | 22.84% |
| Tier 1 leverage ratio | 10.62% |
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 | $8.3M |
| Tier 1 capital | $8.3M |
| Total risk-based capital | $8.6M |
| Total equity capital | $8.3M |
| Risk-weighted assets | $37.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.74% |
| Tangible equity to tangible assets | 10.74% |
| Equity capital to average assets | 10.62% |
| Internal capital growth rate | 1.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $5.1M |
| Retained earnings | $3.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 22.69% | 22.69% | 23.71% | 9.85% | $34.9M |
| Q4 2023 | 22.64% | 22.64% | 23.67% | 9.87% | $34.6M |
| Q1 2024 | 22.63% | 22.63% | 23.62% | 10.27% | $35.0M |
| Q2 2024 | 22.06% | 22.06% | 23.05% | 10.16% | $35.5M |
| Q3 2024 | 22.66% | 22.66% | 23.61% | 10.60% | $35.4M |
| Q4 2024 | 22.71% | 22.71% | 23.62% | 10.50% | $35.2M |
| Q1 2025 | 22.67% | 22.67% | 23.53% | 10.56% | $35.9M |
| Q2 2025 | 22.66% | 22.66% | 23.52% | 10.28% | $35.9M |
| Q3 2025 | 21.22% | 21.22% | 22.04% | 10.08% | $37.8M |
| Q4 2025 | 21.23% | 21.23% | 22.04% | 10.20% | $38.1M |
| Q1 2026 | 22.12% | 22.12% | 22.91% | 10.63% | $37.5M |
| Q2 2026 | 22.08% | 22.08% | 22.84% | 10.62% | $37.8M |
The First National Bank of Blanchester 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 Blanchester, 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 Blanchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6530) · FFIEC NIC profile (RSSD 735414)