First Robinson Savings Bank, N.A.: 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.7% to $32.5M. First Robinson Savings Bank, N.A. ranks 140th of 198 Illinois banks on CET1 ratio, in the lower half at 12.93% (Q2 2026). First Robinson Savings Bank, N.A. reported 12.93% on CET1 ratio for Q2 2026, 2.14 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 14.08% |
| Tier 1 leverage ratio | 8.74% |
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 | $44.5M |
| Tier 1 capital | $44.5M |
| Total risk-based capital | $48.4M |
| Total equity capital | $40.9M |
| Risk-weighted assets | $343.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 8.04% |
| Internal capital growth rate | 17.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $8.9M |
| Retained earnings | $32.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.22% | 14.22% | 15.27% | 8.43% | $278.4M |
| Q4 2023 | 13.82% | 13.82% | 14.88% | 8.11% | $282.7M |
| Q1 2024 | 13.91% | 13.91% | 14.95% | 8.30% | $285.7M |
| Q2 2024 | 13.90% | 13.90% | 14.92% | 8.37% | $283.2M |
| Q3 2024 | 14.84% | 14.84% | 15.89% | 8.50% | $271.6M |
| Q4 2024 | 14.45% | 14.45% | 15.46% | 8.56% | $285.5M |
| Q1 2025 | 14.36% | 14.36% | 15.39% | 8.45% | $283.8M |
| Q2 2025 | 14.13% | 14.13% | 15.21% | 8.93% | $296.7M |
| Q3 2025 | 13.59% | 13.59% | 14.74% | 8.96% | $307.9M |
| Q4 2025 | 13.24% | 13.24% | 14.36% | 8.49% | $325.7M |
| Q1 2026 | 12.97% | 12.97% | 14.08% | 8.41% | $329.4M |
| Q2 2026 | 12.93% | 12.93% | 14.08% | 8.74% | $343.9M |
First Robinson Savings Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Robinson Savings Bank, N.A., 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 Robinson Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28105) · FFIEC NIC profile (RSSD 660271)