The First National Bank of Groton: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.59 percentage points in Q2 2026 to 13.50%, the biggest move 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 | 14.58% |
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 | $31.0M |
| Tier 1 capital | $31.0M |
| Total risk-based capital | — |
| Total equity capital | $27.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.50% |
| Tangible equity to tangible assets | 13.50% |
| Equity capital to average assets | 12.95% |
| Internal capital growth rate | 1.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $300K |
| Retained earnings | $30.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 14.36% | 10.10% | 10.10% |
| Q4 2023 | 14.43% | 11.82% | 11.82% |
| Q1 2024 | 14.79% | 11.71% | 11.71% |
| Q2 2024 | 14.75% | 11.86% | 11.86% |
| Q3 2024 | 14.48% | 12.79% | 12.79% |
| Q4 2024 | 14.27% | 11.87% | 11.87% |
| Q1 2025 | 14.31% | 12.01% | 12.01% |
| Q2 2025 | 14.29% | 12.66% | 12.66% |
| Q3 2025 | 14.90% | 13.49% | 13.49% |
| Q4 2025 | 14.73% | 13.48% | 13.48% |
| Q1 2026 | 14.75% | 12.92% | 12.92% |
| Q2 2026 | 14.58% | 13.50% | 13.50% |
The First National Bank of Groton 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 Groton, 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 Groton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7085) · FFIEC NIC profile (RSSD 917500)