First National Bank of Izard County: 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 standout move of Q2 2026 was in Equity capital to total assets: 0.81 percentage points higher than in Q1 2026, at 30.37%.
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 | 31.14% |
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 | $74.2M |
| Tier 1 capital | $74.2M |
| Total risk-based capital | — |
| Total equity capital | $71.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 30.37% |
| Tangible equity to tangible assets | 30.37% |
| Equity capital to average assets | 29.93% |
| Internal capital growth rate | 9.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $750K |
| Retained earnings | $73.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 32.05% | 29.46% | 29.46% |
| Q4 2023 | 31.37% | 29.81% | 29.81% |
| Q1 2024 | 31.66% | 29.58% | 29.58% |
| Q2 2024 | 31.62% | 29.87% | 29.87% |
| Q3 2024 | 31.40% | 29.51% | 29.51% |
| Q4 2024 | 30.65% | 29.38% | 29.38% |
| Q1 2025 | 31.07% | 29.46% | 29.46% |
| Q2 2025 | 30.59% | 29.63% | 29.63% |
| Q3 2025 | 30.89% | 29.88% | 29.88% |
| Q4 2025 | 30.49% | 29.52% | 29.52% |
| Q1 2026 | 30.92% | 29.56% | 29.56% |
| Q2 2026 | 31.14% | 30.37% | 30.37% |
First National Bank of Izard County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Izard County, 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 First National Bank of Izard County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11252) · FFIEC NIC profile (RSSD 379649)