First Nations 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to average assets rose 0.54 percentage points in Q2 2026 to 14.13%, the biggest move on this page. First Nations Bank ranks 62nd of 198 Illinois banks on CET1 ratio, in the upper half at 18.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Nations Bank sits 3.43 points higher, at 18.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.51% |
| Tier 1 risk-based capital ratio | 18.51% |
| Total risk-based capital ratio | 19.77% |
| Tier 1 leverage ratio | 14.11% |
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 | $75.0M |
| Tier 1 capital | $75.0M |
| Total risk-based capital | $80.1M |
| Total equity capital | $75.1M |
| Risk-weighted assets | $405.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.99% |
| Tangible equity to tangible assets | 13.98% |
| Equity capital to average assets | 14.13% |
| Internal capital growth rate | 7.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $16.3M |
| Retained earnings | $57.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25K |
| 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 | 15.25% | 15.25% | 16.51% | 12.05% | $406.1M |
| Q4 2023 | 15.27% | 15.27% | 16.53% | 12.17% | $412.5M |
| Q1 2024 | 15.28% | 15.28% | 16.54% | 12.15% | $417.3M |
| Q2 2024 | 15.19% | 15.19% | 16.45% | 12.24% | $424.6M |
| Q3 2024 | 15.76% | 15.76% | 17.01% | 12.37% | $415.3M |
| Q4 2024 | 15.52% | 15.52% | 16.78% | 12.98% | $429.5M |
| Q1 2025 | 15.60% | 15.60% | 16.85% | 12.63% | $434.4M |
| Q2 2025 | 15.61% | 15.61% | 16.86% | 12.56% | $442.5M |
| Q3 2025 | 16.43% | 16.43% | 17.69% | 12.77% | $429.3M |
| Q4 2025 | 16.86% | 16.86% | 18.11% | 13.31% | $428.7M |
| Q1 2026 | 18.15% | 18.15% | 19.41% | 13.58% | $405.6M |
| Q2 2026 | 18.51% | 18.51% | 19.77% | 14.11% | $405.2M |
First Nations Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Nations 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 Nations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22282) · FFIEC NIC profile (RSSD 277240)