First National Bank of Steeleville: 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, Equity capital to total assets rose 0.71 percentage points in Q2 2026 to 11.47%, the biggest move on this page. First National Bank of Steeleville ranks 22nd of 196 Illinois banks on CET1 ratio, in the upper half at 24.43% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, First National Bank of Steeleville reported 24.43% on CET1 ratio in Q2 2026, 9.36 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.43% |
| Tier 1 risk-based capital ratio | 24.43% |
| Total risk-based capital ratio | 25.27% |
| Tier 1 leverage ratio | 13.55% |
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 | $37.8M |
| Tier 1 capital | $37.8M |
| Total risk-based capital | $39.1M |
| Total equity capital | $31.5M |
| Risk-weighted assets | $154.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.47% |
| Tangible equity to tangible assets | 11.47% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 12.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $140K |
| Common stock surplus | $2.5M |
| Retained earnings | $35.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 24.10% | 24.10% | 24.94% | 14.45% | $143.4M |
| Q4 2023 | 23.20% | 23.20% | 24.08% | 14.34% | $148.3M |
| Q1 2024 | 23.65% | 23.65% | 24.47% | 14.09% | $146.4M |
| Q2 2024 | 22.97% | 22.97% | 23.74% | 14.46% | $156.0M |
| Q3 2024 | 24.16% | 24.16% | 24.96% | 14.44% | $151.5M |
| Q4 2024 | 22.68% | 22.68% | 23.49% | 13.78% | $157.5M |
| Q1 2025 | 23.85% | 23.85% | 24.72% | 13.09% | $150.5M |
| Q2 2025 | 23.28% | 23.28% | 24.11% | 13.60% | $158.5M |
| Q3 2025 | 24.22% | 24.22% | 25.06% | 13.64% | $155.7M |
| Q4 2025 | 22.20% | 22.20% | 23.01% | 13.01% | $163.4M |
| Q1 2026 | 24.22% | 24.22% | 25.07% | 13.29% | $152.2M |
| Q2 2026 | 24.43% | 24.43% | 25.27% | 13.55% | $154.7M |
First National Bank of Steeleville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Steeleville, 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 Steeleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1049) · FFIEC NIC profile (RSSD 129349)