The First National Bank of Brownstown: 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 Equity capital to total assets: 0.75 percentage points higher than in Q1 2026, at 10.67%. Among 198 Illinois banks, The First National Bank of Brownstown sits 14th from the top on CET1 ratio, 26.84% as of Q2 2026. The First National Bank of Brownstown reported 26.84% on CET1 ratio for Q2 2026, 7.28 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.84% |
| Tier 1 risk-based capital ratio | 26.84% |
| Total risk-based capital ratio | 28.10% |
| Tier 1 leverage ratio | 11.25% |
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 | $6.7M |
| Tier 1 capital | $6.7M |
| Total risk-based capital | $7.0M |
| Total equity capital | $6.1M |
| Risk-weighted assets | $24.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.67% |
| Tangible equity to tangible assets | 10.67% |
| Equity capital to average assets | 10.36% |
| Internal capital growth rate | 12.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $140K |
| Common stock surplus | $224K |
| Retained earnings | $6.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$526K |
| 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 | 22.81% | 22.81% | 24.06% | 10.70% | $24.1M |
| Q4 2023 | 22.91% | 22.91% | 24.17% | 10.53% | $24.0M |
| Q1 2024 | 22.38% | 22.38% | 23.64% | 10.44% | $25.0M |
| Q2 2024 | 22.39% | 22.39% | 23.65% | 10.39% | $25.5M |
| Q3 2024 | 22.90% | 22.90% | 24.16% | 10.56% | $25.4M |
| Q4 2024 | 22.91% | 22.91% | 24.17% | 10.33% | $25.4M |
| Q1 2025 | 24.34% | 24.34% | 25.60% | 10.42% | $24.5M |
| Q2 2025 | 25.26% | 25.26% | 26.52% | 10.24% | $24.1M |
| Q3 2025 | 25.42% | 25.42% | 26.68% | 10.73% | $24.6M |
| Q4 2025 | 25.04% | 25.04% | 26.30% | 10.91% | $25.1M |
| Q1 2026 | 26.40% | 26.40% | 27.65% | 11.07% | $24.5M |
| Q2 2026 | 26.84% | 26.84% | 28.10% | 11.25% | $24.8M |
The First National Bank of Brownstown 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 Brownstown, 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 Brownstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3770) · FFIEC NIC profile (RSSD 207041)