First National Bank of Middle Tennessee: 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, Accumulated other comprehensive income rose 3.7% in Q2 2026 to -$3.1M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.03% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $95.0M |
| Tier 1 capital | $95.0M |
| Total risk-based capital | — |
| Total equity capital | $93.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.79% |
| Tangible equity to tangible assets | 9.65% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 9.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $6.5M |
| Retained earnings | $88.3M |
| 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 | 14.64% | 14.64% | 15.76% | 10.18% | $594.7M |
| Q4 2023 | 14.76% | 14.76% | 15.88% | 10.14% | $600.5M |
| Q1 2024 | 14.96% | 14.96% | 16.11% | 10.39% | $599.0M |
| Q2 2024 | 15.25% | 15.25% | 16.42% | 10.60% | $597.1M |
| Q3 2024 | 15.51% | 15.51% | 16.69% | 10.74% | $597.1M |
| Q4 2024 | 15.19% | 15.19% | 16.37% | 10.18% | $593.3M |
| Q1 2025 | 15.21% | 15.21% | 16.39% | 10.20% | $601.4M |
| Q2 2025 | 15.30% | 15.30% | 16.50% | 10.24% | $606.4M |
| Q3 2025 | 15.65% | 15.65% | 16.89% | 10.30% | $605.4M |
| Q4 2025 | 14.90% | 14.90% | 16.18% | 9.86% | $615.7M |
| Q1 2026 | — | — | — | 10.03% | — |
| Q2 2026 | — | — | — | 10.03% | — |
First National Bank of Middle Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Middle Tennessee, 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 Middle Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4952) · FFIEC NIC profile (RSSD 87234)