First National Bank of Eastern Arkansas: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 10.95% +1.95 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $66.4M | 66,410 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $606.4M | 606,444 | RCOAA224 |
| Recomputed ratio | 10.95% | numerator / denominator | |
| Filed ratio | 10.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.95 pp | $11.8M | 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 | 3,500 | 3,500 | 3,500 | 3,500 | 3,500 | 3,500 | RCOAP742 |
| Retained earnings | 62,910 | 64,230 | 64,653 | 62,544 | 60,625 | 59,364 | RCOAKW00 |
| Accumulated other comprehensive income | (2,235) | (2,086) | (1,738) | (2,168) | (2,942) | (3,729) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,175 | 65,644 | 66,415 | 63,876 | 61,183 | 59,135 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,235 | 2,086 | 1,738 | 2,168 | 2,942 | 3,729 | P859 - P840 |
| Common equity Tier 1 capital | 66,410 | 67,730 | 68,153 | 66,044 | 64,125 | 62,864 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 66,410 | 67,730 | 68,153 | 66,044 | 64,125 | 62,864 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 606,444 | 605,372 | 592,069 | 576,928 | 569,116 | 568,994 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 10.95% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.19% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.51% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.45% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.27% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.05% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.07% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.20% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.76% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.36% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.38% | 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 Eastern Arkansas (this bank) | CBLR | NA | NA | NA | 10.95% | |
| Pyramax Bank, F.S.B. | $588.7M | Risk-based | 14.91% | 14.91% | 16.09% | 11.22% |
| Lee Bank | $591.2M | CBLR | NA | NA | NA | 9.63% |
| Peoples National Bank of Kewanee | $587.6M | Risk-based | 15.68% | 15.68% | 16.40% | 10.86% |
| First United Bank and Trust Company, Inc. | $591.4M | Risk-based | 14.22% | 14.22% | 15.37% | 9.53% |
| The Bank of Holly Springs | $587.5M | CBLR | NA | NA | NA | 13.09% |
| Insouth Bank | $591.9M | Risk-based | 10.19% | 10.19% | 11.24% | 8.48% |
| Highpoint Community Bank | $592.4M | Risk-based | 14.68% | 14.68% | 15.93% | 8.45% |
| Kingston National Bank | $586.3M | Risk-based | 13.37% | 13.37% | 14.44% | 9.21% |
| Deutsche Bank National Trust Company | $585.8M | CBLR | NA | NA | NA | 52.83% |
| Peer 25th percentile | 13.58% | 13.58% | 14.67% | 9.21% | ||
| Peer median | 14.45% | 14.45% | 15.65% | 9.63% | ||
| Peer 75th percentile | 14.85% | 14.85% | 16.05% | 11.22% | ||
| This bank's percentile | NA | NA | NA | 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/251745/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.