The First National Bank of Raymond: 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%.
Accumulated other comprehensive income fell 5.1% from Q1 2026 to Q2 2026, ending at -$7.1M against -$6.8M. It was the largest change among the key lines 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 | 10.91% |
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 | $21.1M |
| Tier 1 capital | $21.1M |
| Total risk-based capital | — |
| Total equity capital | $14.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.47% |
| Tangible equity to tangible assets | 7.47% |
| Equity capital to average assets | 7.22% |
| Internal capital growth rate | 10.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $520K |
| Common stock surplus | $4.2M |
| Retained earnings | $16.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.73% | 3.27% | 3.25% |
| Q4 2023 | 10.75% | 5.21% | 5.20% |
| Q1 2024 | 10.66% | 5.07% | 5.05% |
| Q2 2024 | 11.16% | 5.27% | 5.26% |
| Q3 2024 | 11.38% | 6.77% | 6.76% |
| Q4 2024 | 11.23% | 5.31% | 5.31% |
| Q1 2025 | 10.63% | 5.92% | 5.92% |
| Q2 2025 | 10.77% | 5.86% | 5.86% |
| Q3 2025 | 10.79% | 7.21% | 7.21% |
| Q4 2025 | 10.91% | 7.53% | 7.53% |
| Q1 2026 | 10.94% | 7.56% | 7.56% |
| Q2 2026 | 10.91% | 7.47% | 7.47% |
The First National Bank of Raymond 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 Raymond, 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 Raymond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3830) · FFIEC NIC profile (RSSD 421445)