First National Bank & Trust, Elk City, Oklahoma: 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 biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged up 2.2% between Q1 2026 and Q2 2026, to -$11.9M.
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 | 13.09% |
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 | $40.6M |
| Tier 1 capital | $40.6M |
| Total risk-based capital | — |
| Total equity capital | $28.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
| Equity capital to average assets | 9.24% |
| Internal capital growth rate | 3.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $500K |
| Retained earnings | $39.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.24% | 5.65% | 5.65% |
| Q4 2023 | 11.61% | 7.56% | 7.56% |
| Q1 2024 | 11.88% | 7.17% | 7.17% |
| Q2 2024 | 12.01% | 7.51% | 7.51% |
| Q3 2024 | 12.23% | 8.91% | 8.91% |
| Q4 2024 | 12.03% | 7.36% | 7.36% |
| Q1 2025 | 12.13% | 7.84% | 7.84% |
| Q2 2025 | 12.53% | 7.58% | 7.58% |
| Q3 2025 | 12.60% | 9.16% | 9.16% |
| Q4 2025 | 12.87% | 9.46% | 9.46% |
| Q1 2026 | 13.22% | 9.57% | 9.57% |
| Q2 2026 | 13.09% | 9.74% | 9.74% |
First National Bank & Trust, Elk City, Oklahoma regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust, Elk City, Oklahoma, 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, Elk City, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4086) · FFIEC NIC profile (RSSD 114457)