The First National Bank of McGregor: 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%.
Retained earnings rose 5.3% from Q1 2026 to Q2 2026, ending at $62.9M against $59.7M. It was the largest change among the key lines on this page. On CET1 ratio, The First National Bank of McGregor is 14th from the bottom among 184 Texas banks, 12.06% (Q2 2026). The First National Bank of McGregor reported 12.06% on CET1 ratio for Q2 2026, 1.42 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.06% |
| Tier 1 risk-based capital ratio | 12.06% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.55% |
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 | $97.5M |
| Tier 1 capital | $97.5M |
| Total risk-based capital | $107.6M |
| Total equity capital | $91.2M |
| Risk-weighted assets | $808.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.47% |
| Tangible equity to tangible assets | 8.47% |
| Equity capital to average assets | 8.92% |
| Internal capital growth rate | 14.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $354K |
| Common stock surplus | $34.3M |
| Retained earnings | $62.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | 13.52% | 13.52% | 14.77% | 10.29% | $625.5M |
| Q4 2023 | 13.68% | 13.68% | 14.93% | 10.43% | $631.7M |
| Q1 2024 | 13.39% | 13.39% | 14.64% | 10.11% | $649.3M |
| Q2 2024 | 12.75% | 12.75% | 13.95% | 10.36% | $699.5M |
| Q3 2024 | 12.61% | 12.61% | 13.81% | 10.01% | $723.8M |
| Q4 2024 | 12.49% | 12.49% | 13.69% | 10.00% | $745.7M |
| Q1 2025 | 12.60% | 12.60% | 13.85% | 9.68% | $752.8M |
| Q2 2025 | 12.97% | 12.97% | 14.20% | 10.06% | $750.4M |
| Q3 2025 | 11.99% | 11.99% | 13.24% | 9.36% | $748.3M |
| Q4 2025 | 11.72% | 11.72% | 12.98% | 9.45% | $783.2M |
| Q1 2026 | 11.93% | 11.93% | 13.19% | 9.41% | $790.7M |
| Q2 2026 | 12.06% | 12.06% | 13.31% | 9.55% | $808.4M |
The First National Bank of McGregor 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 McGregor, 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 McGregor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3330) · FFIEC NIC profile (RSSD 895055)