First National Bankers Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 16.14% +7.14 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $170.7M | 170,713 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.06B | 1,057,607 | RCOAA224 |
| Recomputed ratio | 16.14% | numerator / denominator | |
| Filed ratio | 16.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.14 pp | $75.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 110,422 | 110,423 | 110,422 | 110,422 | 110,422 | 110,422 | RCOAP742 |
| Retained earnings | 60,889 | 62,198 | 60,046 | 58,158 | 59,183 | 57,884 | RCOAKW00 |
| Accumulated other comprehensive income | (5,891) | (5,571) | (5,773) | (6,274) | (6,766) | (7,409) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 165,420 | 167,050 | 164,695 | 162,306 | 162,839 | 160,897 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,293 | 4,973 | 4,978 | 5,479 | 5,971 | 6,614 | P859 - P840 |
| Common equity Tier 1 capital | 170,713 | 172,023 | 169,673 | 167,785 | 168,810 | 167,511 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 170,713 | 172,023 | 169,673 | 167,785 | 168,810 | 167,511 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,057,607 | 1,078,103 | 1,072,319 | 918,181 | 943,672 | 997,450 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 16.14% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 15.96% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 15.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.27% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 17.89% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.79% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.39% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.94% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.28% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 16.33% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.81% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Bankers Bank (this bank) | CBLR | NA | NA | NA | 16.14% | |
| International Bank of Chicago | $982.7M | Risk-based | 19.69% | 19.69% | 20.95% | 12.54% |
| First Northern Bank of Wyoming | $982.6M | Risk-based | 10.79% | 10.79% | 11.83% | 7.93% |
| Beacon Community Bank | $982.3M | Risk-based | 10.82% | 10.82% | 12.02% | 8.46% |
| Coastal Heritage Bank | $983.6M | CBLR | NA | NA | NA | 11.54% |
| Tolleson Private Bank | $982.0M | Risk-based | 13.77% | 13.77% | 15.02% | 9.37% |
| Midwest Bank | $984.5M | CBLR | NA | NA | NA | 9.84% |
| Resource Bank | $980.7M | CBLR | NA | NA | NA | 12.80% |
| Community First Bank of Indiana | $980.3M | Risk-based | 9.85% | 9.85% | 11.56% | 9.92% |
| Potomac Bank, Inc. | $980.2M | Risk-based | 12.97% | 12.97% | 14.06% | 9.85% |
| Haven Savings Bank | $986.9M | Risk-based | 13.24% | 13.24% | 14.22% | 8.71% |
| Peer 25th percentile | 10.80% | 10.80% | 11.92% | 8.88% | ||
| Peer median | 12.97% | 12.97% | 14.06% | 9.84% | ||
| Peer 75th percentile | 13.51% | 13.51% | 14.62% | 11.14% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/734538/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.