The First National Bank of Livingston: 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%.
Compared with Q1 2026, Total risk-based capital ratio rose 0.84 percentage points in Q2 2026 to 38.22%, the biggest move on this page. On CET1 ratio, The First National Bank of Livingston ranks 18th highest among the 184 banks headquartered in Texas, at 36.97% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, The First National Bank of Livingston reported 36.97% on CET1 ratio in Q2 2026, 21.90 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 36.97% |
| Tier 1 risk-based capital ratio | 36.97% |
| Total risk-based capital ratio | 38.22% |
| Tier 1 leverage ratio | 15.54% |
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 | $71.9M |
| Tier 1 capital | $71.9M |
| Total risk-based capital | $74.4M |
| Total equity capital | $66.8M |
| Risk-weighted assets | $194.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.29% |
| Tangible equity to tangible assets | 13.73% |
| Equity capital to average assets | 14.33% |
| Internal capital growth rate | 7.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $479K |
| Common stock surplus | $13.0M |
| Retained earnings | $61.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 31.05% | 31.05% | 32.30% | 12.97% | $204.7M |
| Q4 2023 | 33.22% | 33.22% | 34.47% | 13.06% | $192.1M |
| Q1 2024 | 31.16% | 31.16% | 32.41% | 13.31% | $206.3M |
| Q2 2024 | 32.99% | 32.99% | 34.24% | 13.42% | $196.6M |
| Q3 2024 | — | — | — | 13.56% | — |
| Q4 2024 | 35.18% | 35.18% | 36.44% | 13.68% | $187.9M |
| Q1 2025 | 33.12% | 33.12% | 34.37% | 14.75% | $202.0M |
| Q2 2025 | 35.47% | 35.47% | 36.73% | 14.65% | $191.0M |
| Q3 2025 | 35.70% | 35.70% | 36.95% | 14.92% | $192.3M |
| Q4 2025 | 36.51% | 36.51% | 37.76% | 15.30% | $190.7M |
| Q1 2026 | 36.13% | 36.13% | 37.38% | 15.39% | $195.6M |
| Q2 2026 | 36.97% | 36.97% | 38.22% | 15.54% | $194.5M |
The First National Bank of Livingston 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 Livingston, 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 Livingston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3305) · FFIEC NIC profile (RSSD 630658)