First National Bank of Tennessee: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.55% +2.55 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $158.2M | 158,150 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.37B | 1,368,831 | RCOAA224 |
| Recomputed ratio | 11.55% | numerator / denominator | |
| Filed ratio | 11.55% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.55 pp | $35.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 10,985 | 10,985 | 10,985 | 10,985 | 10,985 | 10,985 | RCOAP742 |
| Retained earnings | 147,166 | 139,910 | 132,743 | 151,329 | 144,187 | 136,983 | RCOAKW00 |
| Accumulated other comprehensive income | (128) | 1,115 | 2,715 | 2,846 | 1,651 | 1,699 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 158,023 | 152,010 | 146,443 | 165,160 | 156,823 | 149,667 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 127 | (1,115) | (2,715) | (2,846) | (1,651) | (1,699) | P859 - P840 |
| Common equity Tier 1 capital | 158,150 | 150,895 | 143,728 | 162,314 | 155,172 | 147,968 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 158,150 | 150,895 | 143,728 | 162,314 | 155,172 | 147,968 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,368,831 | 1,354,210 | 1,359,773 | 1,347,182 | 1,332,708 | 1,315,009 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.55% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 11.14% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.57% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 12.05% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 11.64% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 11.25% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.86% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.41% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 11.19% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 10.84% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 10.58% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.31% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Bank of Tennessee (this bank) | CBLR | NA | NA | NA | 11.55% | |
| First American Bank and Trust | $1.38B | Risk-based | 24.75% | 24.75% | 26.00% | 13.81% |
| State Bank of India (California) | $1.38B | Risk-based | 15.94% | 15.94% | 17.19% | 14.05% |
| Wallis Bank | $1.38B | CBLR | NA | NA | NA | 10.10% |
| Texas Security Bank | $1.38B | Risk-based | 13.35% | 13.35% | 14.55% | 9.57% |
| The City National Bank of Sulphur Springs | $1.37B | Risk-based | 13.75% | 13.75% | 15.00% | 9.78% |
| Optimumbank | $1.39B | CBLR | NA | NA | NA | 10.54% |
| The Bank of New York Mellon Trust Company, N.A. | $1.37B | Risk-based | 283.37% | 283.37% | 284.22% | 63.50% |
| Community Financial Services Bank | $1.37B | Risk-based | 13.52% | 13.52% | 14.77% | 10.33% |
| Dakota Community Bank & Trust, N.A. | $1.39B | Risk-based | 13.32% | 13.32% | 14.36% | 9.07% |
| Central National Bank | $1.39B | CBLR | NA | NA | NA | 11.00% |
| Peer 25th percentile | 13.44% | 13.44% | 14.66% | 9.86% | ||
| Peer median | 13.75% | 13.75% | 15.00% | 10.44% | ||
| Peer 75th percentile | 20.35% | 20.35% | 21.60% | 13.11% | ||
| This bank's percentile | NA | NA | NA | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/283737/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.