First Trust Bank of Illinois: 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 Q2 2026 was in Accumulated other comprehensive income: 10.3% lower than in Q1 2026, at -$9.4M. Within Illinois, First Trust Bank of Illinois is 98th of 198 on CET1 ratio, 15.16% as of Q2 2026, above the middle of the field. At 15.16%, First Trust Bank of Illinois's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.16% |
| Tier 1 risk-based capital ratio | 15.16% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 10.26% |
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 | $41.4M |
| Tier 1 capital | $41.4M |
| Total risk-based capital | $43.1M |
| Total equity capital | $34.6M |
| Risk-weighted assets | $273.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 7.93% |
| Equity capital to average assets | 8.52% |
| Internal capital growth rate | 5.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $9.7M |
| Retained earnings | $30.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| 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 | 15.20% | 15.20% | 15.90% | 11.06% | $247.6M |
| Q4 2023 | — | — | — | 10.47% | — |
| Q1 2024 | 15.31% | 15.31% | 16.01% | 10.18% | $250.2M |
| Q2 2024 | 15.69% | 15.69% | 16.40% | 10.33% | $245.9M |
| Q3 2024 | 15.84% | 15.84% | 16.55% | 10.97% | $244.9M |
| Q4 2024 | 15.09% | 15.09% | 15.76% | 10.70% | $257.6M |
| Q1 2025 | 13.69% | 13.69% | 14.30% | 10.18% | $285.5M |
| Q2 2025 | — | — | — | 10.28% | — |
| Q3 2025 | — | — | — | 10.63% | — |
| Q4 2025 | 15.01% | 15.01% | 15.65% | 10.45% | $268.7M |
| Q1 2026 | 16.09% | 16.09% | 16.77% | 10.49% | $254.1M |
| Q2 2026 | 15.16% | 15.16% | 15.80% | 10.26% | $273.1M |
First Trust Bank of Illinois regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust Bank of Illinois, 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 Trust Bank of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34778) · FFIEC NIC profile (RSSD 2718596)