First National Bank of Tennessee: 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%.
Accumulated other comprehensive income dropped 111.5% in Q2 2026, from $1.1M to -$128K. It was the largest change from Q1 2026 among the key lines here.
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 | 11.55% |
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 | $158.2M |
| Tier 1 capital | $158.2M |
| Total risk-based capital | — |
| Total equity capital | $158.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.45% |
| Tangible equity to tangible assets | 11.45% |
| Equity capital to average assets | 11.54% |
| Internal capital growth rate | 19.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $669K |
| Common stock surplus | $10.3M |
| Retained earnings | $147.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$128K |
| 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 | 10.31% | 10.20% | 10.20% |
| Q4 2023 | 10.58% | 10.48% | 10.48% |
| Q1 2024 | 10.84% | 10.68% | 10.68% |
| Q2 2024 | 11.19% | 11.11% | 11.11% |
| Q3 2024 | 10.41% | 10.63% | 10.63% |
| Q4 2024 | 10.86% | 10.70% | 10.70% |
| Q1 2025 | 11.25% | 11.20% | 11.20% |
| Q2 2025 | 11.64% | 11.71% | 11.71% |
| Q3 2025 | 12.05% | 12.21% | 12.21% |
| Q4 2025 | 10.57% | 10.81% | 10.81% |
| Q1 2026 | 11.14% | 11.13% | 11.13% |
| Q2 2026 | 11.55% | 11.45% | 11.45% |
First National Bank of Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Tennessee, 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19502) · FFIEC NIC profile (RSSD 283737)