First National Community 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 12.92% +3.92 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 | $95.5M | 95,461 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $738.6M | 738,641 | RCOAA224 |
| Recomputed ratio | 12.92% | numerator / denominator | |
| Filed ratio | 12.92% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.92 pp | $29.0M | 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 | 45,581 | 45,581 | 45,581 | 45,581 | 45,581 | 45,581 | RCOAP742 |
| Retained earnings | 53,199 | 53,550 | 50,980 | 48,042 | 45,494 | 45,045 | RCOAKW00 |
| Accumulated other comprehensive income | (1,282) | (1,222) | (1,185) | (1,204) | (1,520) | (1,511) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 97,498 | 97,909 | 95,376 | 92,419 | 89,555 | 89,115 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,037) | (2,132) | (2,164) | (2,248) | (1,973) | (2,029) | P859 - P840 |
| Common equity Tier 1 capital | 95,461 | 95,777 | 93,212 | 90,171 | 87,582 | 87,086 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 95,461 | 95,777 | 93,212 | 90,171 | 87,582 | 87,086 | 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 | 738,641 | 709,423 | 713,778 | 700,219 | 676,967 | 659,891 | 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 | 12.92% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.50% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.06% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.88% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.20% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.34% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.98% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.39% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.63% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.86% | 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 Community Bank (this bank) | CBLR | NA | NA | NA | 12.92% | |
| Eaglemark Savings Bank | $755.7M | Risk-based | 24.83% | 24.83% | 24.86% | 23.68% |
| Alliance Bank | $755.9M | Risk-based | 11.73% | 11.73% | 12.98% | 10.07% |
| United Valley Bank | $751.6M | CBLR | NA | NA | NA | 10.50% |
| Green Belt Bank & Trust | $758.7M | Risk-based | 10.13% | 10.13% | 11.38% | 9.18% |
| Fortifi Bank | $750.4M | Risk-based | 15.36% | 15.36% | 16.62% | 12.61% |
| The Genoa Banking Company | $747.8M | Risk-based | 10.95% | 10.95% | 12.13% | 7.58% |
| Town & Country Bank | $747.7M | Risk-based | 19.40% | 19.40% | 20.65% | 12.37% |
| First State Bank | $761.7M | CBLR | NA | NA | NA | 11.44% |
| Bac Community Bank | $761.9M | Risk-based | 16.60% | 16.60% | 17.85% | 11.44% |
| Peer 25th percentile | 11.34% | 11.34% | 12.56% | 10.07% | ||
| Peer median | 15.36% | 15.36% | 16.62% | 11.44% | ||
| Peer 75th percentile | 18.00% | 18.00% | 19.25% | 12.37% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/450632/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.