The First National Bank of Monterey: 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 fell 7.1% in Q2 2026 to -$9.8M, 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 | 13.13% |
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 | $58.5M |
| Tier 1 capital | $58.5M |
| Total risk-based capital | — |
| Total equity capital | $48.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 11.31% |
| Equity capital to average assets | 10.93% |
| Internal capital growth rate | 9.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $58.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 13.78% | 8.83% | 8.83% |
| Q4 2023 | 13.56% | 9.70% | 9.70% |
| Q1 2024 | 13.49% | 9.53% | 9.53% |
| Q2 2024 | 13.53% | 9.47% | 9.47% |
| Q3 2024 | 12.77% | 10.42% | 10.42% |
| Q4 2024 | 12.51% | 9.44% | 9.44% |
| Q1 2025 | 12.66% | 10.00% | 10.00% |
| Q2 2025 | 12.64% | 10.05% | 10.05% |
| Q3 2025 | 12.93% | 11.09% | 11.09% |
| Q4 2025 | 12.89% | 11.29% | 11.29% |
| Q1 2026 | 13.13% | 11.21% | 11.21% |
| Q2 2026 | 13.13% | 11.31% | 11.31% |
The First National Bank of Monterey 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 Monterey, 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 Monterey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4364) · FFIEC NIC profile (RSSD 44040)