The First National Bank of Ely: 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%.
Tier 1 leverage ratio fell 0.46 percentage points from Q1 2026 to Q2 2026, ending at 10.52% against 10.98%. It was the largest change among the key lines on this page.
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 | 10.52% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | — |
| Total equity capital | $7.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.86% |
| Tangible equity to tangible assets | 5.86% |
| Equity capital to average assets | 5.89% |
| Internal capital growth rate | -18.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $87K |
| Common stock surplus | $202K |
| Retained earnings | $13.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | 12.44% | 0.56% | 0.56% |
| Q4 2023 | 11.04% | 3.32% | 3.32% |
| Q1 2024 | 11.76% | 3.20% | 3.20% |
| Q2 2024 | 11.48% | 3.55% | 3.55% |
| Q3 2024 | 11.50% | 5.99% | 5.99% |
| Q4 2024 | 11.14% | 4.16% | 4.16% |
| Q1 2025 | 11.59% | 4.98% | 4.98% |
| Q2 2025 | 11.25% | 4.01% | 4.01% |
| Q3 2025 | 11.69% | 6.49% | 6.49% |
| Q4 2025 | 10.91% | 6.33% | 6.33% |
| Q1 2026 | 10.98% | 6.05% | 6.05% |
| Q2 2026 | 10.52% | 5.86% | 5.86% |
The First National Bank of Ely 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 Ely, 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 Ely profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2273) · FFIEC NIC profile (RSSD 450669)