The First National Bank of Okawville: 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: 12.7% lower than in Q1 2026, at -$1.1M.
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 | 12.55% |
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 | $8.3M |
| Tier 1 capital | $8.3M |
| Total risk-based capital | — |
| Total equity capital | $7.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.99% |
| Tangible equity to tangible assets | 10.99% |
| Equity capital to average assets | 10.97% |
| Internal capital growth rate | 2.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $8.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 21.11% | 21.11% | 21.58% | 11.39% | $38.7M |
| Q4 2023 | 19.79% | 19.79% | 20.24% | 11.41% | $41.4M |
| Q1 2024 | 17.99% | 17.99% | 18.39% | 11.10% | $45.7M |
| Q2 2024 | 18.72% | 18.72% | 19.14% | 11.40% | $43.9M |
| Q3 2024 | 18.21% | 18.21% | 18.61% | 11.16% | $45.1M |
| Q4 2024 | 18.39% | 18.39% | 18.79% | 11.76% | $44.4M |
| Q1 2025 | 20.09% | 20.09% | 20.54% | 12.56% | $40.8M |
| Q2 2025 | 21.43% | 21.43% | 21.90% | 12.72% | $38.2M |
| Q3 2025 | 21.38% | 21.38% | 21.85% | 12.87% | $38.5M |
| Q4 2025 | — | — | — | 12.47% | — |
| Q1 2026 | — | — | — | 11.96% | — |
| Q2 2026 | — | — | — | 12.55% | — |
The First National Bank of Okawville 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 Okawville, 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 Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3826) · FFIEC NIC profile (RSSD 333940)