First Northern Bank and Trust Company: 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%.
Accumulated other comprehensive income climbed 15.2% in Q2 2026, from -$7.8M to -$6.6M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.29% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $142.6M |
| Tier 1 capital | $142.6M |
| Total risk-based capital | — |
| Total equity capital | $136.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.76% |
| Tangible equity to tangible assets | 14.76% |
| Equity capital to average assets | 14.58% |
| Internal capital growth rate | 6.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $751K |
| Common stock surplus | $1.3M |
| Retained earnings | $140.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.86% | 10.19% | 10.19% |
| Q4 2023 | 12.82% | 12.32% | 12.32% |
| Q1 2024 | 13.70% | 12.67% | 12.67% |
| Q2 2024 | 14.13% | 12.75% | 12.75% |
| Q3 2024 | 13.71% | 12.55% | 12.55% |
| Q4 2024 | 13.67% | 12.82% | 12.82% |
| Q1 2025 | 14.40% | 13.47% | 13.47% |
| Q2 2025 | 14.94% | 14.14% | 14.14% |
| Q3 2025 | 14.92% | 13.46% | 13.46% |
| Q4 2025 | 14.35% | 14.11% | 14.11% |
| Q1 2026 | 14.99% | 14.24% | 14.24% |
| Q2 2026 | 15.29% | 14.76% | 14.76% |
First Northern Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank and Trust Company, 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 Northern Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7675) · FFIEC NIC profile (RSSD 186717)