First Northern Bank and Trust Company: 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 15.29% +6.29 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 | $142.6M | 142,584 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $932.6M | 932,553 | RCOAA224 |
| Recomputed ratio | 15.29% | numerator / denominator | |
| Filed ratio | 15.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.29 pp | $58.7M | 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 | 2,002 | 2,002 | 2,002 | 2,002 | 2,002 | 2,002 | RCOAP742 |
| Retained earnings | 140,582 | 138,286 | 135,898 | 135,170 | 132,708 | 130,522 | RCOAKW00 |
| Accumulated other comprehensive income | (6,588) | (7,766) | (5,741) | (7,293) | (10,433) | (10,732) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 135,996 | 132,522 | 132,159 | 129,879 | 124,277 | 121,792 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,588 | 7,766 | 5,741 | 7,293 | 10,433 | 10,732 | P859 - P840 |
| Common equity Tier 1 capital | 142,584 | 140,288 | 137,900 | 137,172 | 134,710 | 132,524 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 142,584 | 140,288 | 137,900 | 137,172 | 134,710 | 132,524 | 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 | 932,553 | 935,989 | 960,966 | 919,383 | 901,859 | 920,604 | 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 | 15.29% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.99% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.35% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.92% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.40% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.67% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.13% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.70% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.82% | 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 Northern Bank and Trust Company (this bank) | CBLR | NA | NA | NA | 15.29% | |
| Valliance Bank | $923.3M | CBLR | NA | NA | NA | 9.31% |
| American Bank & Trust Company Inc. | $924.4M | Risk-based | 11.44% | 11.44% | 12.39% | 9.88% |
| Stonehambank | $918.3M | Risk-based | 12.51% | 12.51% | 13.71% | 8.94% |
| The Juniata Valley Bank | $917.9M | Risk-based | 11.61% | 11.61% | 12.76% | 8.56% |
| Century Next Bank | $916.4M | CBLR | NA | NA | NA | 11.95% |
| State Bank | $916.1M | CBLR | NA | NA | NA | 11.90% |
| Finwise Bank | $915.5M | CBLR | NA | NA | NA | 18.05% |
| Legends Bank | $927.7M | Risk-based | 12.09% | 12.09% | 13.10% | 9.98% |
| F&M Bank | $915.3M | CBLR | NA | NA | NA | 10.00% |
| Affinity Bank, National Association | $915.2M | Risk-based | 12.76% | 12.76% | 13.91% | 11.41% |
| Peer 25th percentile | 11.61% | 11.61% | 12.76% | 9.45% | ||
| Peer median | 12.09% | 12.09% | 13.10% | 9.99% | ||
| Peer 75th percentile | 12.51% | 12.51% | 13.71% | 11.78% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/186717/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.