First Neighborhood Bank, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 1Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 1Q26
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 10.41% +1.41 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 | $16.7M | 16,699 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $160.4M | 160,356 | RCOAA224 |
| Recomputed ratio | 10.41% | numerator / denominator | |
| Filed ratio | 10.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.41 pp | $2.3M | 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 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,046 | 2,046 | 2,046 | 2,046 | 2,046 | RCOAP742 |
| Retained earnings | 14,653 | 14,738 | 14,573 | 14,603 | 14,587 | RCOAKW00 |
| Accumulated other comprehensive income | (2,617) | (2,510) | (2,752) | (3,443) | (3,558) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 14,082 | 14,274 | 13,867 | 13,206 | 13,075 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,617 | 2,510 | 2,752 | 3,443 | 3,558 | P859 - P840 |
| Common equity Tier 1 capital | 16,699 | 16,784 | 16,619 | 16,649 | 16,633 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,699 | 16,784 | 16,619 | 16,649 | 16,633 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 160,356 | 155,140 | 156,075 | 160,941 | 157,535 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q26 | CBLR | NA | NA | NA | 10.41% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.82% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.65% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.34% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.67% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.64% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.28% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.40% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.33% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | CBLR | NA | NA | NA | 10.87% | 14.63% | 14.65% | 15.76% | 10.48% |
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, 1Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Neighborhood Bank, Inc. (this bank) | CBLR | NA | NA | NA | 10.41% | |
| Edward Jones Trust Company | $160.5M | Risk-based | 344.57% | 344.57% | 344.57% | 96.63% |
| West Central Georgia Bank | $160.4M | CBLR | NA | NA | NA | 22.33% |
| The Bank of Baker | $160.9M | CBLR | NA | NA | NA | 10.77% |
| Central Bank | $160.2M | Risk-based | 20.08% | 20.08% | 21.33% | 12.11% |
| Belmont Savings Bank, SSB | $161.0M | CBLR | NA | NA | NA | 12.94% |
| Bank of Greeleyville | $160.1M | CBLR | NA | NA | NA | 10.91% |
| Bank of Belle Glade | $160.1M | CBLR | NA | NA | NA | 9.85% |
| First State Bank of Campbell Hill | $160.1M | Risk-based | 21.56% | 21.56% | 22.55% | 13.55% |
| Community State Bank | $161.2M | CBLR | NA | NA | NA | 9.32% |
| The First State Bank | $160.0M | CBLR | NA | NA | NA | 9.83% |
| Peer 25th percentile | 20.82% | 20.82% | 21.94% | 10.08% | ||
| Peer median | 21.56% | 21.56% | 22.55% | 11.51% | ||
| Peer 75th percentile | 183.06% | 183.06% | 183.56% | 13.40% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/911339/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.