The First National Bank of Sycamore: 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%.
Total equity capital rose 4.0% from Q1 2026 to Q2 2026, ending at $21.2M against $20.4M. It was the largest change among the key lines on this page. Within Ohio, The First National Bank of Sycamore is 31st of 84 on CET1 ratio, 15.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Sycamore sits 0.47 points higher, at 15.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.54% |
| Tier 1 risk-based capital ratio | 15.54% |
| Total risk-based capital ratio | 16.63% |
| Tier 1 leverage ratio | 9.96% |
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 | $24.3M |
| Tier 1 capital | $24.3M |
| Total risk-based capital | $26.0M |
| Total equity capital | $21.2M |
| Risk-weighted assets | $156.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 8.27% |
| Equity capital to average assets | 8.66% |
| Internal capital growth rate | 14.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.2M |
| Retained earnings | $23.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 15.27% | 15.27% | 16.29% | 9.43% | $129.6M |
| Q4 2023 | 14.98% | 14.98% | 16.01% | 9.15% | $131.4M |
| Q1 2024 | 14.94% | 14.94% | 15.97% | 9.17% | $134.0M |
| Q2 2024 | 15.22% | 15.22% | 16.28% | 9.28% | $134.2M |
| Q3 2024 | 15.41% | 15.41% | 16.47% | 9.30% | $135.7M |
| Q4 2024 | 15.41% | 15.41% | 16.49% | 9.04% | $135.9M |
| Q1 2025 | 15.42% | 15.42% | 16.50% | 9.08% | $139.2M |
| Q2 2025 | 15.29% | 15.29% | 16.34% | 9.10% | $144.4M |
| Q3 2025 | 15.35% | 15.35% | 16.40% | 9.36% | $147.6M |
| Q4 2025 | 15.20% | 15.20% | 16.28% | 9.43% | $150.2M |
| Q1 2026 | 15.35% | 15.35% | 16.43% | 9.85% | $153.2M |
| Q2 2026 | 15.54% | 15.54% | 16.63% | 9.96% | $156.2M |
The First National Bank of Sycamore 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 Sycamore, 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 Sycamore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6706) · FFIEC NIC profile (RSSD 553926)