The First National Bank of Saint Ignace: 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 Accumulated other comprehensive income, which fell 7.2% to -$8.0M. Within Michigan, The First National Bank of Saint Ignace is 14th of 43 on CET1 ratio, 16.19% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Saint Ignace sits 1.12 points higher, at 16.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 7.78% |
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 | $25.7M |
| Tier 1 capital | $25.7M |
| Total risk-based capital | $26.5M |
| Total equity capital | $17.6M |
| Risk-weighted assets | $158.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.25% |
| Tangible equity to tangible assets | 5.25% |
| Equity capital to average assets | 5.35% |
| Internal capital growth rate | 9.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $23.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| 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 | 12.78% | 12.78% | 13.39% | 6.03% | $157.6M |
| Q4 2023 | 13.51% | 13.51% | 14.12% | 6.17% | $152.3M |
| Q1 2024 | 13.83% | 13.83% | 14.45% | 6.50% | $145.8M |
| Q2 2024 | 16.62% | 16.62% | 17.30% | 8.03% | $142.9M |
| Q3 2024 | 16.47% | 16.47% | 17.12% | 7.10% | $143.9M |
| Q4 2024 | 16.65% | 16.65% | 17.29% | 7.21% | $144.2M |
| Q1 2025 | 15.33% | 15.33% | 15.94% | 7.62% | $156.0M |
| Q2 2025 | 15.58% | 15.58% | 16.21% | 7.71% | $153.5M |
| Q3 2025 | 16.42% | 16.42% | 17.07% | 6.99% | $146.6M |
| Q4 2025 | 16.01% | 16.01% | 16.62% | 7.09% | $155.2M |
| Q1 2026 | 16.03% | 16.03% | 16.58% | 7.42% | $157.6M |
| Q2 2026 | 16.19% | 16.19% | 16.73% | 7.78% | $158.6M |
The First National Bank of Saint Ignace 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 Saint Ignace, 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 Saint Ignace profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5074) · FFIEC NIC profile (RSSD 381950)