First National Community 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 4.7% to $242.8M. First National Community Bank ranks 42nd of 85 Wisconsin banks on CET1 ratio, in the upper half at 13.17% (Q2 2026). First National Community Bank reported 13.17% on CET1 ratio for Q2 2026, 1.90 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.17% |
| Tier 1 risk-based capital ratio | 13.17% |
| Total risk-based capital ratio | 14.19% |
| Tier 1 leverage ratio | 9.38% |
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 | $32.0M |
| Tier 1 capital | $32.0M |
| Total risk-based capital | $34.4M |
| Total equity capital | $26.7M |
| Risk-weighted assets | $242.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.72% |
| Tangible equity to tangible assets | 7.72% |
| Equity capital to average assets | 7.82% |
| Internal capital growth rate | 9.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $110K |
| Common stock surplus | $4.6M |
| Retained earnings | $27.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 12.70% | 12.70% | 13.73% | 8.22% | $214.1M |
| Q4 2023 | 13.27% | 13.27% | 14.28% | 8.35% | $207.4M |
| Q1 2024 | 13.56% | 13.56% | 14.53% | 8.28% | $205.2M |
| Q2 2024 | 13.45% | 13.45% | 14.38% | 9.07% | $210.3M |
| Q3 2024 | 14.06% | 14.06% | 15.02% | 9.04% | $204.1M |
| Q4 2024 | 13.93% | 13.93% | 14.86% | 9.09% | $208.8M |
| Q1 2025 | 13.73% | 13.73% | 14.60% | 8.84% | $214.0M |
| Q2 2025 | 13.89% | 13.89% | 14.80% | 9.14% | $215.2M |
| Q3 2025 | 13.88% | 13.88% | 14.84% | 9.23% | $218.8M |
| Q4 2025 | 13.90% | 13.90% | 14.89% | 9.33% | $221.5M |
| Q1 2026 | 13.51% | 13.51% | 14.50% | 9.33% | $231.9M |
| Q2 2026 | 13.17% | 13.17% | 14.19% | 9.38% | $242.8M |
First National Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5357) · FFIEC NIC profile (RSSD 23755)