First Tri-County 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%.
The standout move of Q3 2026 was in Equity capital to total assets: 0.78 percentage points higher than in Q2 2026, at 10.29%.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.40% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $7.1M |
| Tier 1 capital | $7.1M |
| Total risk-based capital | — |
| Total equity capital | $7.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 9.70% |
| Equity capital to average assets | 9.97% |
| Internal capital growth rate | 4.77% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $105K |
| Common stock surplus | $5.4M |
| Retained earnings | $2.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 |
|---|---|---|---|
| Q4 2023 | 9.20% | 9.63% | 9.06% |
| Q1 2024 | 9.45% | 10.09% | 9.49% |
| Q2 2024 | 8.95% | 9.37% | 8.79% |
| Q3 2024 | 8.94% | 9.32% | 8.76% |
| Q4 2024 | 8.77% | 9.41% | 8.83% |
| Q1 2025 | 9.37% | 10.04% | 9.43% |
| Q2 2025 | 9.58% | 10.04% | 9.45% |
| Q3 2025 | 9.73% | 10.23% | 9.63% |
| Q4 2025 | 9.55% | 9.91% | 9.33% |
| Q1 2026 | 9.04% | 9.61% | 9.04% |
| Q2 2026 | 9.07% | 9.51% | 8.96% |
| Q3 2026 | 9.40% | 10.29% | 9.70% |
First Tri-County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Tri-County 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 Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8333) · FFIEC NIC profile (RSSD 570651)