The First National Bank of Dryden: 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 climbed 11.1% in Q2 2026, from -$4.3M to -$3.8M. 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 | 13.55% |
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 | $28.0M |
| Tier 1 capital | $28.0M |
| Total risk-based capital | — |
| Total equity capital | $24.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.85% |
| Tangible equity to tangible assets | 11.85% |
| Equity capital to average assets | 11.70% |
| Internal capital growth rate | 8.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $756K |
| Common stock surplus | $4.1M |
| Retained earnings | $26.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.42% | 6.71% | 6.71% |
| Q4 2023 | 11.67% | 8.37% | 8.37% |
| Q1 2024 | 11.55% | 8.01% | 8.01% |
| Q2 2024 | 11.83% | 8.41% | 8.41% |
| Q3 2024 | 12.56% | 9.65% | 9.65% |
| Q4 2024 | 12.42% | 9.32% | 9.32% |
| Q1 2025 | 12.40% | 9.58% | 9.58% |
| Q2 2025 | 12.60% | 10.17% | 10.17% |
| Q3 2025 | 13.10% | 11.00% | 11.00% |
| Q4 2025 | 13.24% | 11.47% | 11.47% |
| Q1 2026 | 13.31% | 11.05% | 11.05% |
| Q2 2026 | 13.55% | 11.85% | 11.85% |
The First National Bank of Dryden 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 Dryden, 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 Dryden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7031) · FFIEC NIC profile (RSSD 241009)