First National Bank of Spearville: 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%.
Retained earnings rose 6.6% from Q1 2026 to Q2 2026, ending at $3.5M against $3.3M. 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 | 11.80% |
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 | $7.2M |
| Tier 1 capital | $7.2M |
| Total risk-based capital | — |
| Total equity capital | $8.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.11% |
| Tangible equity to tangible assets | 11.71% |
| Equity capital to average assets | 13.21% |
| Internal capital growth rate | 10.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $4.6M |
| Retained earnings | $3.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.11% | 14.73% | 13.06% |
| Q4 2023 | 10.55% | 9.71% | 8.51% |
| Q1 2024 | 12.11% | 14.99% | 13.27% |
| Q2 2024 | 12.83% | 14.28% | 12.67% |
| Q3 2024 | 13.12% | 13.75% | 12.23% |
| Q4 2024 | 10.28% | 9.58% | 8.43% |
| Q1 2025 | 11.91% | 13.53% | 12.02% |
| Q2 2025 | 12.64% | 14.29% | 12.73% |
| Q3 2025 | 13.10% | 14.46% | 12.94% |
| Q4 2025 | 10.31% | 9.15% | 8.10% |
| Q1 2026 | 11.35% | 13.56% | 12.09% |
| Q2 2026 | 11.80% | 13.11% | 11.71% |
First National Bank of Spearville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Spearville, 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 First National Bank of Spearville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4774) · FFIEC NIC profile (RSSD 197254)