First National Bank & Trust Company of Newtown: 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 Total equity capital, which rose 3.7% to $109.9M. Within Pennsylvania, First National Bank & Trust Company of Newtown is 11th of 72 on CET1 ratio, 27.50% as of Q2 2026, above the middle of the field. Against a median of 13.48% for banks in the $1B-10B asset tier, First National Bank & Trust Company of Newtown reported 27.50% on CET1 ratio in Q2 2026, 14.02 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.50% |
| Tier 1 risk-based capital ratio | 27.50% |
| Total risk-based capital ratio | 28.26% |
| Tier 1 leverage ratio | 12.95% |
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 | $149.3M |
| Tier 1 capital | $149.3M |
| Total risk-based capital | $153.5M |
| Total equity capital | $109.9M |
| Risk-weighted assets | $543.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.43% |
| Tangible equity to tangible assets | 9.43% |
| Equity capital to average assets | 9.53% |
| Internal capital growth rate | 12.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $950K |
| Retained earnings | $147.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$39.4M |
| 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 | 25.75% | 25.75% | 26.53% | 11.17% | $508.8M |
| Q4 2023 | 25.95% | 25.95% | 26.72% | 11.68% | $502.0M |
| Q1 2024 | 26.36% | 26.36% | 26.96% | 11.75% | $502.7M |
| Q2 2024 | 26.77% | 26.77% | 27.39% | 12.00% | $502.7M |
| Q3 2024 | 27.13% | 27.13% | 27.83% | 12.11% | $502.9M |
| Q4 2024 | 26.84% | 26.84% | 27.53% | 12.11% | $507.5M |
| Q1 2025 | 26.82% | 26.82% | 27.48% | 12.23% | $510.3M |
| Q2 2025 | 26.88% | 26.88% | 27.59% | 12.27% | $513.8M |
| Q3 2025 | 27.06% | 27.06% | 27.75% | 12.45% | $521.2M |
| Q4 2025 | 26.81% | 26.81% | 27.57% | 12.76% | $534.6M |
| Q1 2026 | 27.22% | 27.22% | 27.97% | 13.02% | $536.7M |
| Q2 2026 | 27.50% | 27.50% | 28.26% | 12.95% | $543.1M |
First National Bank & Trust Company of Newtown 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 Newtown, 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 Newtown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7658) · FFIEC NIC profile (RSSD 1007417)