First National Bank of Louisiana: 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 Equity capital to average assets: 0.76 percentage points lower than in Q1 2026, at 10.54%. Within Louisiana, First National Bank of Louisiana is 36th of 46 on CET1 ratio, 14.03% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank of Louisiana sits 1.04 points lower, at 14.03% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.03% |
| Tier 1 risk-based capital ratio | 14.03% |
| Total risk-based capital ratio | 15.16% |
| Tier 1 leverage ratio | 11.02% |
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 | $70.8M |
| Tier 1 capital | $70.8M |
| Total risk-based capital | $76.5M |
| Total equity capital | $67.7M |
| Risk-weighted assets | $505.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.73% |
| Tangible equity to tangible assets | 10.73% |
| Equity capital to average assets | 10.54% |
| Internal capital growth rate | 3.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $1.4M |
| Retained earnings | $68.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 17.77% | 17.77% | 18.94% | 12.66% | $381.5M |
| Q4 2023 | 16.94% | 16.94% | 18.09% | 12.00% | $396.3M |
| Q1 2024 | 17.27% | 17.27% | 18.44% | 12.47% | $400.4M |
| Q2 2024 | 17.30% | 17.30% | 18.46% | 12.75% | $409.6M |
| Q3 2024 | 14.87% | 14.87% | 16.08% | 10.95% | $405.3M |
| Q4 2024 | 14.71% | 14.71% | 15.94% | 10.80% | $410.1M |
| Q1 2025 | 15.30% | 15.30% | 16.54% | 11.29% | $414.2M |
| Q2 2025 | 14.91% | 14.91% | 16.13% | 11.16% | $431.9M |
| Q3 2025 | 14.94% | 14.94% | 16.14% | 11.42% | $444.9M |
| Q4 2025 | 14.66% | 14.66% | 15.85% | 11.51% | $466.6M |
| Q1 2026 | 14.65% | 14.65% | 15.83% | 11.82% | $479.2M |
| Q2 2026 | 14.03% | 14.03% | 15.16% | 11.02% | $505.0M |
First National Bank of Louisiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Louisiana, 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 Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4288) · FFIEC NIC profile (RSSD 575834)