First National Bank of Elmer: 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, Total equity capital edged up by 1.7%, from $39.4M to $40.1M, the largest move among the key lines here. Within New Jersey, First National Bank of Elmer is 22nd of 37 on CET1 ratio, 13.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank of Elmer sits 1.53 points lower, at 13.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 10.00% |
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 | $40.7M |
| Tier 1 capital | $40.7M |
| Total risk-based capital | $44.5M |
| Total equity capital | $40.1M |
| Risk-weighted assets | $300.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 9.84% |
| Internal capital growth rate | 6.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $440K |
| Retained earnings | $40.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$668K |
| 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 | 13.27% | 13.27% | 14.53% | 9.58% | $258.3M |
| Q4 2023 | 13.25% | 13.25% | 14.51% | 9.60% | $260.3M |
| Q1 2024 | 13.18% | 13.18% | 14.43% | 9.83% | $265.9M |
| Q2 2024 | 13.25% | 13.25% | 14.51% | 9.36% | $268.8M |
| Q3 2024 | 13.39% | 13.39% | 14.65% | 9.49% | $271.5M |
| Q4 2024 | 12.89% | 12.89% | 14.14% | 9.57% | $285.8M |
| Q1 2025 | 12.96% | 12.96% | 14.21% | 9.90% | $292.2M |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 9.46% | $289.0M |
| Q3 2025 | 13.54% | 13.54% | 14.80% | 9.61% | $289.2M |
| Q4 2025 | 13.59% | 13.59% | 14.84% | 9.60% | $292.1M |
| Q1 2026 | 13.26% | 13.26% | 14.51% | 10.02% | $302.7M |
| Q2 2026 | 13.55% | 13.55% | 14.80% | 10.00% | $300.8M |
First National Bank of Elmer regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Elmer, 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 Elmer profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6464) · FFIEC NIC profile (RSSD 609010)