First National Bank of Gillette: 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 14.93% +5.93 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 | $98.1M | 98,081 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $656.8M | 656,760 | RCOAA224 |
| Recomputed ratio | 14.93% | numerator / denominator | |
| Filed ratio | 14.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.93 pp | $39.0M | 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 | 1,900 | 1,900 | 1,900 | 1,900 | 1,900 | 1,900 | RCOAP742 |
| Retained earnings | 96,181 | 95,158 | 92,746 | 91,181 | 89,382 | 88,998 | RCOAKW00 |
| Accumulated other comprehensive income | (18,846) | (20,814) | (18,950) | (21,391) | (25,648) | (28,583) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 79,235 | 76,244 | 75,696 | 71,690 | 65,634 | 62,315 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 18,846 | 20,813 | 18,950 | 21,391 | 25,649 | 28,583 | P859 - P840 |
| Common equity Tier 1 capital | 98,081 | 97,057 | 94,646 | 93,081 | 91,283 | 90,898 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 98,081 | 97,057 | 94,646 | 93,081 | 91,283 | 90,898 | 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 | 656,760 | 656,363 | 653,884 | 626,478 | 617,716 | 628,126 | 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 | 14.93% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.79% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.47% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.86% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.78% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.47% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 34.39% | 34.39% | 35.43% | 14.06% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 35.78% | 35.78% | 36.83% | 14.08% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 35.22% | 35.22% | 36.24% | 13.76% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 37.05% | 37.05% | 38.11% | 13.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 36.92% | 36.92% | 37.97% | 13.24% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 35.58% | 35.58% | 36.56% | 13.41% | 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 Gillette (this bank) | CBLR | NA | NA | NA | 14.93% | |
| Milford Bank the | $652.0M | Risk-based | 14.36% | 14.36% | 15.51% | 9.94% |
| First Midwest Bank of Dexter | $652.0M | CBLR | NA | NA | NA | 10.97% |
| Carver Federal Savings Bank | $651.5M | Risk-based | 9.25% | 9.25% | 10.28% | 7.74% |
| Bankvista | $651.1M | Risk-based | 11.54% | 11.54% | 12.80% | 9.93% |
| Citizens State Bank | $653.0M | Risk-based | 12.02% | 12.02% | 13.27% | 10.07% |
| Farmers & Merchants Bank of Colby | $650.8M | CBLR | NA | NA | NA | 11.23% |
| Stockmens Bank | $650.8M | Risk-based | 11.01% | 11.01% | 12.27% | 10.63% |
| Northeast Georgia Bank | $650.6M | CBLR | NA | NA | NA | 13.41% |
| Pacific Valley Bank | $653.3M | CBLR | NA | NA | NA | 12.60% |
| Midstates Bank, N.A. | $653.9M | Risk-based | 16.79% | 16.79% | 18.05% | 11.60% |
| Peer 25th percentile | 11.14% | 11.14% | 12.40% | 9.97% | ||
| Peer median | 11.78% | 11.78% | 13.03% | 10.80% | ||
| Peer 75th percentile | 13.77% | 13.77% | 14.95% | 11.50% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/890050/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.