The First National Bank of Moody: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.40 percentage points to 16.88%.
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 | 18.31% |
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 | $10.1M |
| Tier 1 capital | $10.1M |
| Total risk-based capital | — |
| Total equity capital | $9.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.27% |
| Tangible equity to tangible assets | 17.27% |
| Equity capital to average assets | 16.88% |
| Internal capital growth rate | 9.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $50K |
| Retained earnings | $10.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$793K |
| 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 | 17.45% | 14.07% | 14.07% |
| Q4 2023 | 17.38% | 15.26% | 15.26% |
| Q1 2024 | 15.47% | 12.77% | 12.77% |
| Q2 2024 | 18.64% | 16.72% | 16.72% |
| Q3 2024 | 18.48% | 17.50% | 17.50% |
| Q4 2024 | 18.34% | 15.61% | 15.61% |
| Q1 2025 | 18.48% | 16.82% | 16.82% |
| Q2 2025 | 18.30% | 16.56% | 16.56% |
| Q3 2025 | 18.99% | 17.82% | 17.82% |
| Q4 2025 | 18.57% | 17.44% | 17.44% |
| Q1 2026 | 17.88% | 17.22% | 17.22% |
| Q2 2026 | 18.31% | 17.27% | 17.27% |
The First National Bank of Moody 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 Moody, 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 Moody profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3351) · FFIEC NIC profile (RSSD 108269)