The First National Bank of Litchfield: 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 Accumulated other comprehensive income: 14.7% higher than in Q1 2026, at -$1.3M. Within Illinois, The First National Bank of Litchfield is 100th of 198 on CET1 ratio, 15.12% as of Q2 2026, below the middle of the field. At 15.12%, The First National Bank of Litchfield's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.32% |
| Tier 1 leverage ratio | 11.50% |
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 | $17.5M |
| Tier 1 capital | $17.5M |
| Total risk-based capital | $18.9M |
| Total equity capital | $16.2M |
| Risk-weighted assets | $115.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.77% |
| Tangible equity to tangible assets | 10.77% |
| Equity capital to average assets | 10.65% |
| Internal capital growth rate | 5.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 15.80% | 15.80% | 17.05% | 11.58% | $99.0M |
| Q4 2023 | 15.17% | 15.17% | 16.42% | 12.03% | $103.7M |
| Q1 2024 | 15.70% | 15.70% | 16.95% | 11.94% | $101.0M |
| Q2 2024 | 15.89% | 15.89% | 17.14% | 12.40% | $100.4M |
| Q3 2024 | 15.94% | 15.94% | 17.19% | 12.56% | $101.0M |
| Q4 2024 | 15.45% | 15.45% | 16.70% | 12.73% | $104.9M |
| Q1 2025 | 15.11% | 15.11% | 16.34% | 12.30% | $108.5M |
| Q2 2025 | 15.26% | 15.26% | 16.50% | 11.80% | $108.9M |
| Q3 2025 | 15.51% | 15.51% | 16.76% | 12.13% | $108.2M |
| Q4 2025 | 14.67% | 14.67% | 15.83% | 12.04% | $116.2M |
| Q1 2026 | 15.12% | 15.12% | 16.33% | 11.59% | $114.2M |
| Q2 2026 | 15.12% | 15.12% | 16.32% | 11.50% | $115.6M |
The First National Bank of Litchfield 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 Litchfield, 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 Litchfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3807) · FFIEC NIC profile (RSSD 370347)