The First National Bank of Tom Bean: 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.45 percentage points to 12.02%.
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 | 12.15% |
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 | $18.7M |
| Tier 1 capital | $18.7M |
| Total risk-based capital | — |
| Total equity capital | $18.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.02% |
| Tangible equity to tangible assets | 12.01% |
| Equity capital to average assets | 12.15% |
| Internal capital growth rate | 7.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $7.9M |
| Retained earnings | $9.3M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.27% | 16.27% | 17.53% | 11.28% | $91.7M |
| Q4 2023 | 15.81% | 15.81% | 17.06% | 11.15% | $95.9M |
| Q1 2024 | 15.86% | 15.86% | 17.12% | 11.31% | $97.0M |
| Q2 2024 | 16.28% | 16.28% | 17.53% | 11.12% | $95.9M |
| Q3 2024 | 16.39% | 16.39% | 17.65% | 10.99% | $96.5M |
| Q4 2024 | 16.85% | 16.85% | 18.10% | 11.13% | $95.5M |
| Q1 2025 | 16.52% | 16.52% | 17.77% | 11.46% | $99.7M |
| Q2 2025 | 16.75% | 16.75% | 18.01% | 11.63% | $99.5M |
| Q3 2025 | 16.55% | 16.55% | 17.81% | 11.50% | $102.9M |
| Q4 2025 | 17.44% | 17.44% | 18.70% | 12.11% | $103.9M |
| Q1 2026 | — | — | — | 12.35% | — |
| Q2 2026 | — | — | — | 12.15% | — |
The First National Bank of Tom Bean 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 Tom Bean, 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 Tom Bean profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5557) · FFIEC NIC profile (RSSD 193162)