The First National Bank of Carmi: 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%.
Accumulated other comprehensive income dropped 11.7% in Q2 2026, from -$3.7M to -$4.1M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.42% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $69.6M |
| Tier 1 capital | $69.6M |
| Total risk-based capital | — |
| Total equity capital | $74.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.98% |
| Tangible equity to tangible assets | 10.68% |
| Equity capital to average assets | 12.05% |
| Internal capital growth rate | 7.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $34.7M |
| Retained earnings | $43.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 12.02% | 12.02% | 13.27% | 9.75% | $480.0M |
| Q4 2023 | 12.24% | 12.24% | 13.50% | 9.69% | $485.3M |
| Q1 2024 | 12.62% | 12.62% | 13.84% | 9.62% | $479.1M |
| Q2 2024 | 12.89% | 12.89% | 14.10% | 10.33% | $480.4M |
| Q3 2024 | 13.10% | 13.10% | 14.33% | 10.74% | $482.4M |
| Q4 2024 | 13.10% | 13.10% | 14.35% | 10.93% | $490.6M |
| Q1 2025 | 13.97% | 13.97% | 15.22% | 10.80% | $464.1M |
| Q2 2025 | 13.77% | 13.77% | 15.02% | 11.00% | $477.4M |
| Q3 2025 | 14.17% | 14.17% | 15.34% | 11.33% | $469.2M |
| Q4 2025 | 14.61% | 14.61% | 15.83% | 11.33% | $463.2M |
| Q1 2026 | 15.74% | 15.74% | 17.00% | 11.29% | $433.8M |
| Q2 2026 | — | — | — | 11.42% | — |
The First National Bank of Carmi 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 Carmi, 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 Carmi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3777) · FFIEC NIC profile (RSSD 209148)