The First National Bank of Scott City: 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 Equity capital to average assets, which rose 0.43 percentage points to 13.17%.
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 | 14.48% |
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 | $24.7M |
| Tier 1 capital | $24.7M |
| Total risk-based capital | — |
| Total equity capital | $22.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.90% |
| Tangible equity to tangible assets | 12.90% |
| Equity capital to average assets | 13.17% |
| Internal capital growth rate | 9.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $3.3M |
| Retained earnings | $20.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 12.26% | 8.99% | 8.99% |
| Q4 2023 | 12.30% | 9.95% | 9.95% |
| Q1 2024 | 12.42% | 10.16% | 10.16% |
| Q2 2024 | 13.35% | 10.92% | 10.92% |
| Q3 2024 | 13.60% | 11.84% | 11.84% |
| Q4 2024 | 13.73% | 11.38% | 11.38% |
| Q1 2025 | 13.80% | 11.91% | 11.91% |
| Q2 2025 | 13.73% | 11.95% | 11.95% |
| Q3 2025 | 13.97% | 12.51% | 12.51% |
| Q4 2025 | 13.94% | 12.67% | 12.67% |
| Q1 2026 | 14.05% | 12.66% | 12.66% |
| Q2 2026 | 14.48% | 12.90% | 12.90% |
The First National Bank of Scott City 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 Scott City, 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 Scott City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4769) · FFIEC NIC profile (RSSD 414652)