First National Bank & Trust Company of McAlester: 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%.
Accumulated other comprehensive income dropped 8.2% in Q2 2026, from -$1.8M to -$1.9M. 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 | 10.89% |
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 | $63.4M |
| Tier 1 capital | $63.4M |
| Total risk-based capital | — |
| Total equity capital | $63.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.95% |
| Tangible equity to tangible assets | 10.63% |
| Equity capital to average assets | 10.87% |
| Internal capital growth rate | 4.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $5.0M |
| Retained earnings | $55.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 14.92% | 14.92% | 16.10% | 10.55% | $391.2M |
| Q4 2023 | 14.81% | 14.81% | 16.01% | 10.30% | $391.4M |
| Q1 2024 | 14.94% | 14.94% | 16.14% | 10.18% | $392.3M |
| Q2 2024 | 15.13% | 15.13% | 16.35% | 10.12% | $389.2M |
| Q3 2024 | 15.75% | 15.75% | 16.99% | 10.37% | $377.9M |
| Q4 2024 | 15.87% | 15.87% | 17.11% | 10.71% | $376.1M |
| Q1 2025 | 15.70% | 15.70% | 16.94% | 10.83% | $384.8M |
| Q2 2025 | 16.32% | 16.32% | 17.57% | 10.75% | $373.1M |
| Q3 2025 | 15.85% | 15.85% | 17.10% | 10.77% | $387.5M |
| Q4 2025 | 16.18% | 16.18% | 17.43% | 10.97% | $383.5M |
| Q1 2026 | 15.90% | 15.90% | 17.15% | 10.98% | $394.4M |
| Q2 2026 | — | — | — | 10.89% | — |
First National Bank & Trust Company of McAlester regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust Company of McAlester, 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 & Trust Company of McAlester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4145) · FFIEC NIC profile (RSSD 830355)