First National Bank of Fort Stockton: 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 12.20% +3.20 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 | $19.5M | 19,460 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $159.6M | 159,560 | RCOAA224 |
| Recomputed ratio | 12.20% | numerator / denominator | |
| Filed ratio | 12.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.20 pp | $5.1M | 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 | 6,740 | 6,740 | 6,740 | 6,740 | 6,740 | 6,740 | RCOAP742 |
| Retained earnings | 12,766 | 12,595 | 12,531 | 12,391 | 12,195 | 12,228 | RCOAKW00 |
| Accumulated other comprehensive income | (4,500) | (4,202) | (4,241) | (4,631) | (6,237) | (6,020) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,006 | 15,133 | 15,030 | 14,500 | 12,698 | 12,948 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,454 | 4,133 | 4,149 | 4,516 | 6,099 | 5,847 | P859 - P840 |
| Common equity Tier 1 capital | 19,460 | 19,266 | 19,179 | 19,016 | 18,797 | 18,795 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 19,460 | 19,266 | 19,179 | 19,016 | 18,797 | 18,795 | 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 | 159,560 | 163,254 | 158,625 | 153,325 | 146,938 | 137,122 | 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 | 12.20% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.09% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.71% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.37% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.52% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.00% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.30% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.57% | 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 Fort Stockton (this bank) | CBLR | NA | NA | NA | 12.20% | |
| Priority Bank | $153.4M | CBLR | NA | NA | NA | 10.52% |
| Bay Port State Bank | $153.4M | CBLR | NA | NA | NA | 10.89% |
| Nationwide Trust Company, FSB | $153.6M | Risk-based | 141.82% | 141.82% | 141.82% | 36.89% |
| American Heritage Bank | $153.2M | Risk-based | 18.55% | 18.55% | 19.80% | 11.09% |
| Citizens State Bank of Arlington | $153.2M | CBLR | NA | NA | NA | 11.74% |
| Eastbank, N.A. | $153.0M | Risk-based | 29.85% | 29.85% | 31.11% | 22.99% |
| Lake Region Bank | $153.0M | Risk-based | 18.78% | 18.78% | 19.67% | 10.43% |
| The Citizens National Bank of Woodsfield | $153.9M | Risk-based | 23.30% | 23.30% | 23.98% | 8.88% |
| Heartland State Bank | $154.0M | CBLR | NA | NA | NA | 9.93% |
| Bluff View Bank | $152.8M | Risk-based | 20.04% | 20.04% | 20.95% | 14.94% |
| Peer 25th percentile | 19.10% | 19.10% | 20.09% | 10.45% | ||
| Peer median | 21.67% | 21.67% | 22.47% | 10.99% | ||
| Peer 75th percentile | 28.21% | 28.21% | 29.33% | 14.14% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/397456/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.