The First National Bank of Hereford: 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%.
Tangible equity to tangible assets climbed 1.01 percentage points in Q2 2026, from 10.93% to 11.94%. It was the largest change from Q1 2026 among the key lines here.
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 | 12.32% |
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 | $42.9M |
| Tier 1 capital | $42.9M |
| Total risk-based capital | — |
| Total equity capital | $41.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.95% |
| Tangible equity to tangible assets | 11.94% |
| Equity capital to average assets | 11.81% |
| Internal capital growth rate | 12.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $8.5M |
| Retained earnings | $32.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 11.07% | 11.07% | 12.07% | 10.02% | $239.5M |
| Q4 2023 | 11.27% | 11.27% | 12.28% | 9.96% | $242.3M |
| Q1 2024 | 11.00% | 11.00% | 12.05% | 9.85% | $255.6M |
| Q2 2024 | 11.17% | 11.17% | 12.20% | 10.30% | $262.2M |
| Q3 2024 | 13.34% | 13.34% | 14.38% | 12.02% | $264.7M |
| Q4 2024 | 13.24% | 13.24% | 14.26% | 12.18% | $274.0M |
| Q1 2025 | 13.11% | 13.11% | 14.16% | 11.94% | $283.0M |
| Q2 2025 | 13.21% | 13.21% | 14.33% | 12.15% | $288.8M |
| Q3 2025 | 13.23% | 13.23% | 14.35% | 11.94% | $296.9M |
| Q4 2025 | 12.35% | 12.35% | 13.45% | 11.30% | $327.1M |
| Q1 2026 | — | — | — | 11.96% | — |
| Q2 2026 | — | — | — | 12.32% | — |
The First National Bank of Hereford 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 Hereford, 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 Hereford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34918) · FFIEC NIC profile (RSSD 2759629)