First National Bank of Waterloo: 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 Accumulated other comprehensive income, which rose 7.1% to -$6.2M. Within Illinois, First National Bank of Waterloo is 141st of 198 on CET1 ratio, 12.88% as of Q2 2026, below the middle of the field. First National Bank of Waterloo reported 12.88% on CET1 ratio for Q2 2026, 2.19 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 9.21% |
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 | $87.0M |
| Tier 1 capital | $87.0M |
| Total risk-based capital | $95.4M |
| Total equity capital | $91.7M |
| Risk-weighted assets | $675.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 8.79% |
| Equity capital to average assets | 9.60% |
| Internal capital growth rate | 10.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $133K |
| Common stock surplus | $38.6M |
| Retained earnings | $59.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 12.49% | 12.49% | 13.59% | 8.23% | $614.4M |
| Q4 2023 | 12.51% | 12.51% | 13.64% | 8.28% | $617.7M |
| Q1 2024 | 12.43% | 12.43% | 13.59% | 8.28% | $619.5M |
| Q2 2024 | 12.62% | 12.62% | 13.84% | 8.42% | $614.1M |
| Q3 2024 | 12.78% | 12.78% | 14.02% | 8.57% | $612.8M |
| Q4 2024 | 12.55% | 12.55% | 13.79% | 8.46% | $631.8M |
| Q1 2025 | 12.33% | 12.33% | 13.58% | 8.64% | $647.3M |
| Q2 2025 | 12.56% | 12.56% | 13.81% | 8.75% | $643.2M |
| Q3 2025 | 13.04% | 13.04% | 14.29% | 8.91% | $632.7M |
| Q4 2025 | 12.42% | 12.42% | 13.67% | 8.93% | $668.2M |
| Q1 2026 | 12.56% | 12.56% | 13.81% | 9.03% | $672.2M |
| Q2 2026 | 12.88% | 12.88% | 14.13% | 9.21% | $675.2M |
First National Bank of Waterloo regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Waterloo, 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 Waterloo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3842) · FFIEC NIC profile (RSSD 145545)