First National Bank of Johnson: 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%.
Equity capital to total assets rose 0.32 percentage points from Q1 2026 to Q2 2026, ending at 15.69% against 15.37%. It was the largest change among the key lines 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 | 15.17% |
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 | $14.6M |
| Tier 1 capital | $14.6M |
| Total risk-based capital | — |
| Total equity capital | $15.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.69% |
| Tangible equity to tangible assets | 15.29% |
| Equity capital to average assets | 15.54% |
| Internal capital growth rate | 3.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $250K |
| Retained earnings | $14.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26K |
| 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 | 16.31% | 15.89% | 15.49% |
| Q4 2023 | 16.26% | 15.97% | 15.56% |
| Q1 2024 | 16.13% | 16.09% | 15.69% |
| Q2 2024 | 16.14% | 15.94% | 15.54% |
| Q3 2024 | 16.19% | 16.44% | 16.03% |
| Q4 2024 | 15.53% | 15.82% | 15.40% |
| Q1 2025 | 15.47% | 15.52% | 15.11% |
| Q2 2025 | 15.41% | 15.74% | 15.33% |
| Q3 2025 | 15.64% | 16.05% | 15.63% |
| Q4 2025 | 15.48% | 15.78% | 15.38% |
| Q1 2026 | 15.18% | 15.37% | 14.98% |
| Q2 2026 | 15.17% | 15.69% | 15.29% |
First National Bank of Johnson regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Johnson, 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 Johnson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5422) · FFIEC NIC profile (RSSD 563457)