First National Bankers Bank: 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%.
Equity capital to total assets climbed 2.44 percentage points in Q2 2026, from 14.39% to 16.83%. 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 | 16.14% |
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 | $170.7M |
| Tier 1 capital | $170.7M |
| Total risk-based capital | — |
| Total equity capital | $165.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.83% |
| Tangible equity to tangible assets | 16.79% |
| Equity capital to average assets | 15.63% |
| Internal capital growth rate | -3.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $24.6M |
| Common stock surplus | $85.8M |
| Retained earnings | $60.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.9M |
| 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 | 16.81% | 15.13% | 15.09% |
| Q4 2023 | 16.33% | 14.58% | 14.54% |
| Q1 2024 | 17.28% | 17.25% | 17.21% |
| Q2 2024 | 17.94% | 15.98% | 15.94% |
| Q3 2024 | 17.39% | 17.21% | 17.17% |
| Q4 2024 | 16.84% | 16.44% | 16.40% |
| Q1 2025 | 16.79% | 16.06% | 16.02% |
| Q2 2025 | 17.89% | 19.12% | 19.08% |
| Q3 2025 | 18.27% | 16.44% | 16.40% |
| Q4 2025 | 15.82% | 15.43% | 15.39% |
| Q1 2026 | 15.96% | 14.39% | 14.35% |
| Q2 2026 | 16.14% | 16.83% | 16.79% |
First National Bankers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bankers Bank, 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 Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25247) · FFIEC NIC profile (RSSD 734538)