First National Bank of Wauchula: 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 rose 0.28 percentage points to 11.24%.
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 | 12.16% |
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 | $10.6M |
| Tier 1 capital | $10.6M |
| Total risk-based capital | — |
| Total equity capital | $9.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.24% |
| Tangible equity to tangible assets | 11.24% |
| Equity capital to average assets | 11.27% |
| Internal capital growth rate | 6.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $250K |
| Retained earnings | $10.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$773K |
| 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 | 11.29% | 9.84% | 9.84% |
| Q4 2023 | 10.69% | 9.29% | 9.29% |
| Q1 2024 | 10.62% | 9.23% | 9.23% |
| Q2 2024 | 10.75% | 9.52% | 9.52% |
| Q3 2024 | 11.36% | 10.20% | 10.20% |
| Q4 2024 | 10.74% | 9.78% | 9.78% |
| Q1 2025 | 11.48% | 10.25% | 10.25% |
| Q2 2025 | 11.68% | 10.61% | 10.61% |
| Q3 2025 | 11.90% | 10.99% | 10.99% |
| Q4 2025 | 12.32% | 11.17% | 11.17% |
| Q1 2026 | 12.39% | 10.95% | 10.95% |
| Q2 2026 | 12.16% | 11.24% | 11.24% |
First National Bank of Wauchula regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Wauchula, 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 Wauchula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18136) · FFIEC NIC profile (RSSD 89135)