The First National Bank of Williamson: 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%.
Retained earnings dropped 16.4% in Q2 2026, from $1.1M to $881K. 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 | 20.13% |
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 | $23.7M |
| Tier 1 capital | $23.7M |
| Total risk-based capital | — |
| Total equity capital | $22.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.95% |
| Tangible equity to tangible assets | 18.95% |
| Equity capital to average assets | 19.37% |
| Internal capital growth rate | -3.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $516K |
| Common stock surplus | $22.3M |
| Retained earnings | $881K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$889K |
| 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 | 12.38% | 12.38% | 13.64% | 8.71% | $78.4M |
| Q4 2023 | 11.78% | 11.78% | 13.04% | 8.08% | $78.3M |
| Q1 2024 | 11.48% | 11.48% | 12.74% | 7.93% | $80.0M |
| Q2 2024 | 11.32% | 11.32% | 12.58% | 7.95% | $80.7M |
| Q3 2024 | 11.12% | 11.12% | 12.37% | 7.71% | $82.4M |
| Q4 2024 | 11.31% | 11.31% | 12.57% | 7.65% | $80.5M |
| Q1 2025 | 14.64% | 14.64% | 15.90% | 7.62% | $61.3M |
| Q2 2025 | 15.03% | 15.03% | 16.29% | 7.95% | $60.4M |
| Q3 2025 | 38.93% | 38.93% | 40.19% | 21.89% | $61.5M |
| Q4 2025 | 37.98% | 37.98% | 39.24% | 19.94% | $63.1M |
| Q1 2026 | — | — | — | 20.21% | — |
| Q2 2026 | — | — | — | 20.13% | — |
The First National Bank of Williamson 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 Williamson, 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 Williamson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6805) · FFIEC NIC profile (RSSD 917630)