The First National Bank of McConnelsville: 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, Retained earnings rose 2.7% in Q2 2026 to $12.7M, the biggest move on this page. Within Ohio, The First National Bank of McConnelsville is 17th of 84 on CET1 ratio, 19.99% as of Q2 2026, above the middle of the field. The First National Bank of McConnelsville reported 19.99% on CET1 ratio for Q2 2026, 4.92 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 | 19.99% |
| Tier 1 risk-based capital ratio | 19.99% |
| Total risk-based capital ratio | 21.24% |
| Tier 1 leverage ratio | 8.61% |
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 | $17.1M |
| Tier 1 capital | $17.1M |
| Total risk-based capital | $18.2M |
| Total equity capital | $22.1M |
| Risk-weighted assets | $85.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.03% |
| Tangible equity to tangible assets | 8.24% |
| Equity capital to average assets | 10.77% |
| Internal capital growth rate | 6.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $855K |
| Common stock surplus | $9.7M |
| Retained earnings | $12.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 15.70% | 15.70% | 16.95% | 7.48% | $85.7M |
| Q4 2023 | 15.71% | 15.71% | 16.96% | 7.56% | $86.9M |
| Q1 2024 | 16.29% | 16.29% | 17.54% | 7.60% | $86.1M |
| Q2 2024 | 16.15% | 16.15% | 17.40% | 7.58% | $88.0M |
| Q3 2024 | 17.11% | 17.11% | 18.37% | 7.92% | $85.5M |
| Q4 2024 | 17.18% | 17.18% | 18.43% | 7.89% | $86.2M |
| Q1 2025 | 18.30% | 18.30% | 19.55% | 7.98% | $83.2M |
| Q2 2025 | 18.41% | 18.41% | 19.66% | 7.89% | $84.0M |
| Q3 2025 | 18.81% | 18.81% | 20.06% | 8.14% | $84.8M |
| Q4 2025 | 19.41% | 19.41% | 20.66% | 8.17% | $83.6M |
| Q1 2026 | 20.10% | 20.10% | 21.35% | 8.52% | $83.5M |
| Q2 2026 | 19.99% | 19.99% | 21.24% | 8.61% | $85.7M |
The First National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6637) · FFIEC NIC profile (RSSD 44929)