First National Bank of Nokomis: 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: 8.6% higher than in Q1 2026, at -$2.5M. First National Bank of Nokomis ranks 63rd of 198 Illinois banks on CET1 ratio, in the upper half at 18.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank of Nokomis sits 3.27 points higher, at 18.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.34% |
| Tier 1 risk-based capital ratio | 18.34% |
| Total risk-based capital ratio | 19.54% |
| Tier 1 leverage ratio | 10.89% |
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 | $20.0M |
| Tier 1 capital | $20.0M |
| Total risk-based capital | $21.3M |
| Total equity capital | $19.1M |
| Risk-weighted assets | $109.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.48% |
| Tangible equity to tangible assets | 9.70% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 10.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $4.2M |
| Retained earnings | $16.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 18.40% | 18.40% | 19.47% | 10.45% | $106.2M |
| Q4 2023 | 18.02% | 18.02% | 19.11% | 10.52% | $107.8M |
| Q1 2024 | 18.67% | 18.67% | 19.84% | 10.87% | $105.4M |
| Q2 2024 | 17.95% | 17.95% | 19.11% | 10.94% | $110.7M |
| Q3 2024 | 18.12% | 18.12% | 19.26% | 10.98% | $111.9M |
| Q4 2024 | 17.64% | 17.64% | 18.81% | 10.59% | $109.4M |
| Q1 2025 | 17.81% | 17.81% | 18.97% | 10.61% | $110.3M |
| Q2 2025 | 18.39% | 18.39% | 19.56% | 10.85% | $109.0M |
| Q3 2025 | 18.82% | 18.82% | 20.02% | 11.26% | $107.5M |
| Q4 2025 | 17.39% | 17.39% | 18.57% | 10.79% | $110.1M |
| Q1 2026 | 17.67% | 17.67% | 18.84% | 10.84% | $110.3M |
| Q2 2026 | 18.34% | 18.34% | 19.54% | 10.89% | $109.0M |
First National Bank of Nokomis regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Nokomis, 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 Nokomis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15763) · FFIEC NIC profile (RSSD 330248)