The First National Bank of Sonora: 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%.
Compared with Q1 2026, Risk-weighted assets rose 7.0% in Q2 2026 to $575.9M, the biggest move on this page. The First National Bank of Sonora has the 3rd lowest CET1 ratio of the 184 banks headquartered in Texas, at 9.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Sonora sits 5.14 points lower, at 9.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.93% |
| Tier 1 risk-based capital ratio | 9.93% |
| Total risk-based capital ratio | 10.80% |
| Tier 1 leverage ratio | 8.00% |
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 | $57.2M |
| Tier 1 capital | $57.2M |
| Total risk-based capital | $62.2M |
| Total equity capital | $53.1M |
| Risk-weighted assets | $575.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.36% |
| Tangible equity to tangible assets | 7.36% |
| Equity capital to average assets | 7.44% |
| Internal capital growth rate | 3.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $251K |
| Common stock surplus | $26.4M |
| Retained earnings | $30.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 14.98% | 14.98% | 16.23% | 9.07% | $378.7M |
| Q4 2023 | 14.80% | 14.80% | 16.05% | 9.10% | $386.6M |
| Q1 2024 | 14.58% | 14.58% | 15.83% | 9.20% | $397.1M |
| Q2 2024 | 13.03% | 13.03% | 14.28% | 8.87% | $413.2M |
| Q3 2024 | 13.26% | 13.26% | 14.51% | 9.03% | $420.0M |
| Q4 2024 | 12.81% | 12.81% | 14.04% | 9.03% | $428.9M |
| Q1 2025 | 11.92% | 11.92% | 13.06% | 8.23% | $441.2M |
| Q2 2025 | 11.76% | 11.76% | 12.84% | 7.76% | $454.6M |
| Q3 2025 | 10.86% | 10.86% | 11.82% | 7.96% | $505.6M |
| Q4 2025 | 10.53% | 10.53% | 11.38% | 8.14% | $532.0M |
| Q1 2026 | 10.54% | 10.54% | 11.39% | 8.25% | $538.1M |
| Q2 2026 | 9.93% | 9.93% | 10.80% | 8.00% | $575.9M |
The First National Bank of Sonora 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 Sonora, 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 Sonora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5531) · FFIEC NIC profile (RSSD 591366)