The First National Bank of Sparta: 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: 16.5% higher than in Q1 2026, at -$1.8M. On CET1 ratio, The First National Bank of Sparta ranks 17th highest among the 198 banks headquartered in Illinois, at 25.89% (Q2 2026). The First National Bank of Sparta's CET1 ratio of 25.89% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 10.82 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.89% |
| Tier 1 risk-based capital ratio | 25.89% |
| Total risk-based capital ratio | 26.98% |
| Tier 1 leverage ratio | 12.64% |
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 | $14.5M |
| Tier 1 capital | $14.5M |
| Total risk-based capital | $15.1M |
| Total equity capital | $12.7M |
| Risk-weighted assets | $56.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.06% |
| Tangible equity to tangible assets | 11.06% |
| Equity capital to average assets | 11.04% |
| Internal capital growth rate | 13.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $300K |
| Retained earnings | $14.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 26.54% | 26.54% | 27.79% | 12.36% | $46.6M |
| Q4 2023 | 26.70% | 26.70% | 27.95% | 12.26% | $46.3M |
| Q1 2024 | 27.04% | 27.04% | 28.30% | 12.00% | $46.8M |
| Q2 2024 | 27.24% | 27.24% | 28.49% | 12.35% | $47.1M |
| Q3 2024 | 27.50% | 27.50% | 28.75% | 12.64% | $47.6M |
| Q4 2024 | 27.12% | 27.12% | 28.38% | 12.60% | $48.1M |
| Q1 2025 | 27.99% | 27.99% | 29.24% | 12.79% | $47.8M |
| Q2 2025 | 28.05% | 28.05% | 29.29% | 13.03% | $48.6M |
| Q3 2025 | 27.90% | 27.90% | 29.15% | 13.24% | $49.7M |
| Q4 2025 | 25.20% | 25.20% | 26.34% | 12.83% | $54.2M |
| Q1 2026 | 25.68% | 25.68% | 26.84% | 12.50% | $55.0M |
| Q2 2026 | 25.89% | 25.89% | 26.98% | 12.64% | $56.1M |
The First National Bank of Sparta 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 Sparta, 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 Sparta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3837) · FFIEC NIC profile (RSSD 246947)