First Naturalstate 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 fell 0.38 percentage points from Q1 2026 to Q2 2026, ending at 14.36% against 14.74%. It was the largest change among the key lines on this page. On CET1 ratio, First Naturalstate Bank ranks 3rd highest among the 37 banks headquartered in Arkansas, at 24.36% (Q2 2026). First Naturalstate Bank's CET1 ratio of 24.36% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 9.28 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.36% |
| Tier 1 risk-based capital ratio | 24.36% |
| Total risk-based capital ratio | 25.62% |
| Tier 1 leverage ratio | 15.55% |
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 | $16.3M |
| Tier 1 capital | $16.3M |
| Total risk-based capital | $17.2M |
| Total equity capital | $15.6M |
| Risk-weighted assets | $66.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.36% |
| Tangible equity to tangible assets | 14.36% |
| Equity capital to average assets | 14.90% |
| Internal capital growth rate | 7.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $340K |
| Common stock surplus | $2.0M |
| Retained earnings | $14.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$681K |
| 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 | 21.11% | 21.11% | 22.37% | 16.94% | $67.0M |
| Q4 2023 | 22.47% | 22.47% | 23.73% | 16.10% | $62.3M |
| Q1 2024 | 20.12% | 20.12% | 21.37% | 16.13% | $73.2M |
| Q2 2024 | 23.79% | 23.79% | 25.05% | 16.61% | $60.8M |
| Q3 2024 | 23.17% | 23.17% | 24.43% | 16.57% | $62.3M |
| Q4 2024 | 24.79% | 24.79% | 26.05% | 14.83% | $57.9M |
| Q1 2025 | 24.14% | 24.14% | 25.40% | 15.57% | $64.6M |
| Q2 2025 | 25.62% | 25.62% | 26.89% | 17.89% | $60.8M |
| Q3 2025 | 23.16% | 23.16% | 24.42% | 15.71% | $68.5M |
| Q4 2025 | 26.53% | 26.53% | 27.80% | 15.45% | $59.4M |
| Q1 2026 | 24.39% | 24.39% | 25.65% | 15.44% | $65.6M |
| Q2 2026 | 24.36% | 24.36% | 25.62% | 15.55% | $66.9M |
First Naturalstate Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Naturalstate 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 Naturalstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21379) · FFIEC NIC profile (RSSD 78241)