The First National Bank of Germantown: 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%.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 2.9% to $7.6M. The First National Bank of Germantown ranks 25th of 84 Ohio banks on CET1 ratio, in the upper half at 17.05% (Q2 2026). The First National Bank of Germantown reported 17.05% on CET1 ratio for Q2 2026, 2.45 points below the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.05% |
| Tier 1 risk-based capital ratio | 17.05% |
| Total risk-based capital ratio | 18.01% |
| Tier 1 leverage ratio | 8.49% |
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 | $8.2M |
| Tier 1 capital | $8.2M |
| Total risk-based capital | $8.6M |
| Total equity capital | $7.6M |
| Risk-weighted assets | $48.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.89% |
| Tangible equity to tangible assets | 7.89% |
| Equity capital to average assets | 7.87% |
| Internal capital growth rate | 9.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $1.2M |
| Retained earnings | $6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$594K |
| 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 | 16.05% | 16.05% | 17.22% | 8.89% | $45.4M |
| Q4 2023 | 15.62% | 15.62% | 16.75% | 8.35% | $47.1M |
| Q1 2024 | 15.87% | 15.87% | 17.01% | 8.14% | $46.4M |
| Q2 2024 | 16.19% | 16.19% | 17.34% | 8.30% | $46.1M |
| Q3 2024 | 16.35% | 16.35% | 17.50% | 8.47% | $46.1M |
| Q4 2024 | 16.36% | 16.36% | 17.33% | 8.32% | $46.9M |
| Q1 2025 | 17.40% | 17.40% | 18.43% | 8.28% | $44.1M |
| Q2 2025 | 16.52% | 16.52% | 17.50% | 8.70% | $47.1M |
| Q3 2025 | 17.58% | 17.58% | 18.57% | 8.69% | $45.1M |
| Q4 2025 | 17.56% | 17.56% | 18.55% | 8.49% | $45.7M |
| Q1 2026 | 17.15% | 17.15% | 18.13% | 8.49% | $46.7M |
| Q2 2026 | 17.05% | 17.05% | 18.01% | 8.49% | $48.0M |
The First National Bank of Germantown 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 Germantown, 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 Germantown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6592) · FFIEC NIC profile (RSSD 505916)