First National Bank of Kansas: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.0% to $7.8M. Within Kansas, First National Bank of Kansas is 26th of 85 on CET1 ratio, 18.03% as of Q2 2026, above the middle of the field. First National Bank of Kansas reported 18.03% on CET1 ratio for Q2 2026, 2.96 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.03% |
| Tier 1 risk-based capital ratio | 18.03% |
| Total risk-based capital ratio | 18.99% |
| Tier 1 leverage ratio | 9.06% |
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 | $9.5M |
| Tier 1 capital | $9.5M |
| Total risk-based capital | $9.9M |
| Total equity capital | $4.3M |
| Risk-weighted assets | $52.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.04% |
| Tangible equity to tangible assets | 4.04% |
| Equity capital to average assets | 4.09% |
| Internal capital growth rate | 21.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.5M |
| Retained earnings | $7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 18.63% | 18.63% | 19.56% | 9.18% | $44.9M |
| Q4 2023 | 18.06% | 18.06% | 18.97% | 9.20% | $46.0M |
| Q1 2024 | 18.64% | 18.64% | 19.57% | 8.73% | $45.1M |
| Q2 2024 | 16.83% | 16.83% | 17.67% | 8.86% | $50.5M |
| Q3 2024 | 17.11% | 17.11% | 18.02% | 8.55% | $50.5M |
| Q4 2024 | 16.15% | 16.15% | 17.02% | 8.54% | $53.3M |
| Q1 2025 | 16.47% | 16.47% | 17.33% | 8.77% | $53.2M |
| Q2 2025 | 16.68% | 16.68% | 17.63% | 8.98% | $52.8M |
| Q3 2025 | 16.98% | 16.98% | 17.93% | 9.17% | $52.8M |
| Q4 2025 | 17.29% | 17.29% | 18.25% | 9.36% | $52.4M |
| Q1 2026 | 17.62% | 17.62% | 18.58% | 9.13% | $52.4M |
| Q2 2026 | 18.03% | 18.03% | 18.99% | 9.06% | $52.5M |
First National Bank of Kansas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4794) · FFIEC NIC profile (RSSD 614256)