The First National Bank of Mount Dora: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 14.5% higher than in Q1 2026, at -$6.7M.
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 | 12.31% |
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 | $43.8M |
| Tier 1 capital | $43.8M |
| Total risk-based capital | — |
| Total equity capital | $37.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.37% |
| Tangible equity to tangible assets | 10.37% |
| Equity capital to average assets | 10.43% |
| Internal capital growth rate | -0.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $8.2M |
| Retained earnings | $29.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.7M |
| 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 | 15.62% | 15.62% | 16.46% | 11.17% | $275.5M |
| Q4 2023 | 15.75% | 15.75% | 16.64% | 11.05% | $259.7M |
| Q1 2024 | 16.17% | 16.17% | 17.06% | 11.37% | $260.7M |
| Q2 2024 | — | — | — | 11.42% | — |
| Q3 2024 | 16.62% | 16.62% | 17.54% | 11.82% | $258.3M |
| Q4 2024 | 16.85% | 16.85% | 17.78% | 11.63% | $253.0M |
| Q1 2025 | 17.28% | 17.28% | 18.23% | 12.12% | $249.9M |
| Q2 2025 | 15.55% | 15.55% | 16.40% | 11.65% | $278.6M |
| Q3 2025 | — | — | — | 11.64% | — |
| Q4 2025 | — | — | — | 11.72% | — |
| Q1 2026 | 17.80% | 17.80% | 18.78% | 12.43% | $246.7M |
| Q2 2026 | — | — | — | 12.31% | — |
The First National Bank of Mount Dora 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 Mount Dora, 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 Mount Dora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3579) · FFIEC NIC profile (RSSD 61832)