First National Bank of Dublin: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.11% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 10.11% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 16.86% +10.36 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $17.0M | 17,036 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $101.1M | 101,064 | RCOAA223 |
| Recomputed ratio | 16.86% | numerator / denominator | |
| Filed ratio | 16.86% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.36 pp | $10.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.86% +8.86 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $17.0M | 17,036 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $101.1M | 101,064 | RCOAA223 |
| Recomputed ratio | 16.86% | numerator / denominator | |
| Filed ratio | 16.86% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.86 pp | $9.0M | capital that could be lost first |
Total risk-based capital ratio 18.11% +8.11 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $18.3M | 18,305 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $101.1M | 101,064 | RCOAA223 |
| Recomputed ratio | 18.11% | numerator / denominator | |
| Filed ratio | 18.11% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.11 pp | $8.2M | capital that could be lost first |
Tier 1 leverage ratio 12.54% +7.54 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $17.0M | 17,036 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $135.8M | 135,820 | RCOAA224 |
| Recomputed ratio | 12.54% | numerator / denominator | |
| Filed ratio | 12.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.54 pp | $10.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,957 | 1,957 | 1,957 | 1,807 | 1,807 | 1,807 | RCOAP742 |
| Retained earnings | 15,079 | 14,700 | 14,356 | 14,292 | 13,952 | 13,697 | RCOAKW00 |
| Accumulated other comprehensive income | (75) | (64) | (13) | (27) | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,961 | 16,593 | 16,300 | 16,072 | 15,759 | 15,504 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 75 | 64 | 13 | (27) | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 17,036 | 16,657 | 16,313 | 16,045 | 15,759 | 15,504 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,036 | 16,657 | 16,313 | 16,045 | 15,759 | 15,504 | RCOA8274 |
| Tier 2 capital | 1,269 | 1,255 | 1,229 | 1,195 | 1,175 | 1,245 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,269 | 1,255 | 1,229 | 1,195 | 1,175 | 1,245 | RCOA5310 |
| Total capital | 18,305 | 17,912 | 17,542 | 17,240 | 16,934 | 16,749 | RCOA3792 |
| Total risk-weighted assets | 101,064 | 100,002 | 97,765 | 95,063 | 93,578 | 99,201 | RCOAA223 |
| Average total assets for the leverage ratio | 135,820 | 134,884 | 132,952 | 134,978 | 132,255 | 133,985 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $29.7M | $71K | 0.24% | 0.07% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $5.0M | $1.0M | 20.00% | 0.99% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $5.6M | $2.8M | 50.00% | 2.78% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $100K | $150K | 150.00% | 0.15% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $90.8M | $89.8M | 98.94% | 88.42% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.7M | $4.6M | 97.26% | 4.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.1M | $3.1M | 100.00% | 3.05% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $101.6M | ties to item 31 ($101.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $101.6M | RCONB704 |
| Less: excess allowance for credit losses | $531K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $101.1M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 16.86% | 16.86% | 18.11% | 12.54% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.66% | 16.66% | 17.91% | 12.35% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.69% | 16.69% | 17.94% | 12.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.88% | 16.88% | 18.14% | 11.89% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.84% | 16.84% | 18.10% | 11.92% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.63% | 15.63% | 16.88% | 11.57% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.25% | 16.25% | 17.51% | 11.62% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.09% | 16.09% | 17.35% | 11.62% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.88% | 15.88% | 17.14% | 11.29% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.38% | 15.38% | 16.63% | 10.88% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.26% | 15.26% | 16.52% | 10.58% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.08% | 15.08% | 16.34% | 10.42% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Bank of Dublin (this bank) | Risk-based | 16.86% | 16.86% | 18.11% | 12.54% | |
| Saint Clair State Bank (Incorporated) | $134.4M | CBLR | NA | NA | NA | 11.08% |
| State Bank of Missouri | $134.3M | Risk-based | 16.94% | 16.94% | 18.19% | 8.93% |
| Preferred Bank | $134.5M | Risk-based | 17.71% | 17.71% | 18.62% | 7.56% |
| Bank of Hazlehurst | $134.2M | Risk-based | 30.59% | 30.59% | 31.86% | 14.56% |
| Bank of Halls | $134.6M | Risk-based | 12.79% | 12.79% | 13.88% | 7.95% |
| Bank of Kampsville | $134.1M | CBLR | NA | NA | NA | 17.41% |
| The State Bank of Toledo | $134.6M | CBLR | NA | NA | NA | 9.83% |
| Rushville State Bank | $134.8M | CBLR | NA | NA | NA | 14.32% |
| The Miners State Bank | $134.8M | CBLR | NA | NA | NA | 12.19% |
| Peer 25th percentile | 15.90% | 15.90% | 17.11% | 8.93% | ||
| Peer median | 17.33% | 17.33% | 18.41% | 11.08% | ||
| Peer 75th percentile | 20.93% | 20.93% | 21.93% | 14.32% | ||
| This bank's percentile | 25 | 25 | 25 | 67 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/648550/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.