First National Bank of Bosque County: 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.49 percentage points in Q2 2026 to 12.72%, the biggest move on this page. Within Texas, First National Bank of Bosque County is 71st of 184 on CET1 ratio, 18.80% as of Q2 2026, above the middle of the field. First National Bank of Bosque County reported 18.80% on CET1 ratio for Q2 2026, 3.73 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.80% |
| Tier 1 risk-based capital ratio | 18.80% |
| Total risk-based capital ratio | 20.06% |
| Tier 1 leverage ratio | 12.79% |
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 | $23.7M |
| Tier 1 capital | $23.7M |
| Total risk-based capital | $25.2M |
| Total equity capital | $23.5M |
| Risk-weighted assets | $125.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.91% |
| Tangible equity to tangible assets | 12.91% |
| Equity capital to average assets | 12.72% |
| Internal capital growth rate | 5.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $23.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$139K |
| 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 | 15.69% | 15.69% | 16.94% | 10.29% | $116.6M |
| Q4 2023 | 16.45% | 16.45% | 17.71% | 10.46% | $113.4M |
| Q1 2024 | 15.51% | 15.51% | 16.76% | 11.05% | $126.3M |
| Q2 2024 | 15.63% | 15.63% | 16.88% | 11.32% | $126.1M |
| Q3 2024 | 17.07% | 17.07% | 18.32% | 12.00% | $118.3M |
| Q4 2024 | 16.44% | 16.44% | 17.70% | 11.86% | $123.1M |
| Q1 2025 | 16.62% | 16.62% | 17.87% | 12.28% | $125.4M |
| Q2 2025 | 16.66% | 16.66% | 17.91% | 12.30% | $128.5M |
| Q3 2025 | 16.92% | 16.92% | 18.17% | 12.43% | $130.1M |
| Q4 2025 | 17.34% | 17.34% | 18.59% | 11.71% | $129.0M |
| Q1 2026 | 18.89% | 18.89% | 20.15% | 12.33% | $123.5M |
| Q2 2026 | 18.80% | 18.80% | 20.06% | 12.79% | $125.9M |
First National Bank of Bosque County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Bosque County, 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 Bosque County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5564) · FFIEC NIC profile (RSSD 198961)