First National Bank of Lacon: 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%.
Common stock surplus climbed 101.1% in Q2 2026, from $3.0M to $6.0M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank of Lacon is 84th of 198 on CET1 ratio, 16.01% as of Q2 2026, above the middle of the field. First National Bank of Lacon reported 16.01% on CET1 ratio for Q2 2026, 0.94 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 | 16.01% |
| Tier 1 risk-based capital ratio | 16.01% |
| Total risk-based capital ratio | 16.68% |
| Tier 1 leverage ratio | 11.78% |
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 | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | $11.9M |
| Total equity capital | $10.8M |
| Risk-weighted assets | $71.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.46% |
| Tangible equity to tangible assets | 10.46% |
| Equity capital to average assets | 11.16% |
| Internal capital growth rate | 13.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $228K |
| Common stock surplus | $6.0M |
| Retained earnings | $5.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$599K |
| 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 | 13.01% | 13.01% | 13.79% | 8.16% | $54.6M |
| Q4 2023 | 13.15% | 13.15% | 13.93% | 8.22% | $53.6M |
| Q1 2024 | 12.20% | 12.20% | 12.91% | 8.15% | $58.3M |
| Q2 2024 | 11.99% | 11.99% | 12.65% | 8.36% | $66.2M |
| Q3 2024 | 12.29% | 12.29% | 12.93% | 7.95% | $65.6M |
| Q4 2024 | 12.26% | 12.26% | 12.90% | 8.54% | $66.1M |
| Q1 2025 | 12.23% | 12.23% | 12.84% | 8.41% | $65.9M |
| Q2 2025 | 11.32% | 11.32% | 11.92% | 8.31% | $72.3M |
| Q3 2025 | 11.24% | 11.24% | 11.89% | 8.22% | $72.8M |
| Q4 2025 | 12.02% | 12.02% | 12.72% | 8.72% | $70.2M |
| Q1 2026 | 11.60% | 11.60% | 12.29% | 8.71% | $70.6M |
| Q2 2026 | 16.01% | 16.01% | 16.68% | 11.78% | $71.5M |
First National Bank of Lacon regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Lacon, 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 Lacon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3688) · FFIEC NIC profile (RSSD 824738)