First National Bank of Dublin: 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%.
In Q2 2026, Retained earnings edged up by 1.4%, from $14.7M to $14.9M, the largest move among the key lines here. First National Bank of Dublin ranks 96th of 184 Texas banks on CET1 ratio, in the lower half at 16.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank of Dublin sits 1.63 points higher, at 16.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.70% |
| Tier 1 risk-based capital ratio | 16.70% |
| Total risk-based capital ratio | 17.96% |
| Tier 1 leverage ratio | 12.41% |
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 | $16.9M |
| Tier 1 capital | $16.9M |
| Total risk-based capital | $18.1M |
| Total equity capital | $16.9M |
| Risk-weighted assets | $101.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.56% |
| Tangible equity to tangible assets | 12.56% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 5.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $867K |
| Common stock surplus | $1.1M |
| Retained earnings | $14.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3K |
| 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 | 15.08% | 15.08% | 16.34% | 10.42% | $89.3M |
| Q4 2023 | 15.26% | 15.26% | 16.52% | 10.58% | $90.6M |
| Q1 2024 | 15.38% | 15.38% | 16.63% | 10.88% | $91.8M |
| Q2 2024 | 15.88% | 15.88% | 17.14% | 11.29% | $91.0M |
| Q3 2024 | 16.09% | 16.09% | 17.35% | 11.62% | $92.2M |
| Q4 2024 | 16.25% | 16.25% | 17.51% | 11.62% | $93.2M |
| Q1 2025 | 15.63% | 15.63% | 16.88% | 11.57% | $99.2M |
| Q2 2025 | 16.84% | 16.84% | 18.10% | 11.92% | $93.6M |
| Q3 2025 | 16.88% | 16.88% | 18.14% | 11.89% | $95.1M |
| Q4 2025 | 16.69% | 16.69% | 17.94% | 12.27% | $97.8M |
| Q1 2026 | 16.65% | 16.65% | 17.90% | 12.35% | $100.0M |
| Q2 2026 | 16.70% | 16.70% | 17.96% | 12.41% | $101.0M |
First National Bank of Dublin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Dublin, 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 Dublin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26228) · FFIEC NIC profile (RSSD 648550)