The First National Bank of Hope: 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%.
Total risk-based capital ratio climbed 1.59 percentage points in Q2 2026, from 19.82% to 21.41%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The First National Bank of Hope is 20th of 85 on CET1 ratio, 20.16% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. The First National Bank of Hope sits 0.59 points higher, at 20.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.16% |
| Tier 1 risk-based capital ratio | 20.16% |
| Total risk-based capital ratio | 21.41% |
| Tier 1 leverage ratio | 13.81% |
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 | $11.7M |
| Tier 1 capital | $11.7M |
| Total risk-based capital | $12.4M |
| Total equity capital | $7.9M |
| Risk-weighted assets | $57.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 9.34% |
| Internal capital growth rate | 8.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $3.1M |
| Retained earnings | $8.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 20.93% | 20.93% | 22.19% | 13.54% | $52.7M |
| Q4 2023 | 19.77% | 19.77% | 21.02% | 13.79% | $56.3M |
| Q1 2024 | 19.45% | 19.45% | 20.70% | 13.44% | $57.5M |
| Q2 2024 | 18.72% | 18.72% | 19.97% | 13.23% | $60.0M |
| Q3 2024 | 18.09% | 18.09% | 19.35% | 13.06% | $61.9M |
| Q4 2024 | 18.09% | 18.09% | 19.34% | 13.21% | $62.3M |
| Q1 2025 | 18.04% | 18.04% | 19.30% | 13.50% | $62.8M |
| Q2 2025 | 19.03% | 19.03% | 20.28% | 14.02% | $59.9M |
| Q3 2025 | 19.96% | 19.96% | 21.22% | 13.91% | $57.3M |
| Q4 2025 | 17.80% | 17.80% | 19.05% | 12.84% | $64.5M |
| Q1 2026 | 18.57% | 18.57% | 19.82% | 13.19% | $62.0M |
| Q2 2026 | 20.16% | 20.16% | 21.41% | 13.81% | $57.9M |
The First National Bank of Hope 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 Hope, 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 Hope profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4690) · FFIEC NIC profile (RSSD 870856)