First Trust Bank of Illinois: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.80% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.80% (RCOAH311).
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.
Common equity Tier 1 ratio 15.16% +8.66 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $41.4M | 41,419 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $273.1M | 273,123 | RCOAA223 |
| Recomputed ratio | 15.16% | numerator / denominator | |
| Filed ratio | 15.16% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.66 pp | $23.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.16% +7.17 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $41.4M | 41,419 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $273.1M | 273,123 | RCOAA223 |
| Recomputed ratio | 15.16% | numerator / denominator | |
| Filed ratio | 15.16% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.17 pp | $19.6M | capital that could be lost first |
Total risk-based capital ratio 15.80% +5.80 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $43.1M | 43,143 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $273.1M | 273,123 | RCOAA223 |
| Recomputed ratio | 15.80% | numerator / denominator | |
| Filed ratio | 15.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.80 pp | $15.8M | capital that could be lost first |
Tier 1 leverage ratio 10.26% +5.26 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $41.4M | 41,419 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $403.7M | 403,748 | RCOAA224 |
| Recomputed ratio | 10.26% | numerator / denominator | |
| Filed ratio | 10.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.26 pp | $21.2M | 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 | 13,437 | 13,438 | 13,438 | 13,438 | 13,438 | 13,438 | RCOAP742 |
| Retained earnings | 30,601 | 30,086 | 29,570 | 29,176 | 28,746 | 28,414 | RCOAKW00 |
| Accumulated other comprehensive income | (9,414) | (8,535) | (8,291) | (9,107) | (12,246) | (11,711) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,624 | 34,989 | 34,717 | 33,507 | 29,938 | 30,141 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,795 | 5,887 | 5,612 | 6,402 | 9,512 | 8,948 | P859 - P840 |
| Common equity Tier 1 capital | 41,419 | 40,876 | 40,329 | 39,909 | 39,450 | 39,089 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,419 | 40,876 | 40,329 | 39,909 | 39,450 | 39,089 | RCOA8274 |
| Tier 2 capital | 1,724 | 1,725 | 1,726 | NA | NA | 1,743 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,724 | 1,725 | 1,726 | NA | NA | 1,743 | RCOA5310 |
| Total capital | 43,143 | 42,601 | 42,055 | NA | NA | 40,832 | RCOA3792 |
| Total risk-weighted assets | 273,123 | 254,092 | 268,713 | NA | NA | 285,502 | RCOAA223 |
| Average total assets for the leverage ratio | 403,748 | 389,799 | 385,886 | 375,548 | 383,897 | 384,130 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $39.6M | $7.9M | 20.00% | 2.90% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $208.4M | $61.9M | 29.68% | 22.65% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $50.6M | $46.7M | 92.41% | 17.12% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $41.0M | $23.4M | 57.02% | 8.56% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $703K | $1.1M | 150.00% | 0.39% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $103.2M | $103.2M | 100.00% | 37.79% | RC-R Part II, item 4.d, 5.d |
| All other assets | $20.3M | $21.1M | 104.01% | 7.72% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.1M | $6.1M | 100.00% | 2.24% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.7M | NA | 0.63% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $271.4M | does not tie to item 31 ($273.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $273.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $273.1M | RCONG641, ties |
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 | Risk-based | 15.16% | 15.16% | 15.80% | 10.26% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.09% | 16.09% | 16.77% | 10.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.01% | 15.01% | 15.65% | 10.45% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.69% | 13.69% | 14.30% | 10.18% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.09% | 15.09% | 15.76% | 10.70% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.84% | 15.84% | 16.55% | 10.97% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.69% | 15.69% | 16.40% | 10.33% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.31% | 15.31% | 16.01% | 10.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.47% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.20% | 15.20% | 15.90% | 11.06% | 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 Trust Bank of Illinois (this bank) | Risk-based | 15.16% | 15.16% | 15.80% | 10.26% | |
| Founders Bank | $406.0M | CBLR | NA | NA | NA | 14.18% |
| Bank of the Bluegrass and Trust Co. | $407.0M | CBLR | NA | NA | NA | 10.80% |
| Highlands Bank, Inc. | $407.1M | CBLR | NA | NA | NA | 11.00% |
| First National Bank of Elmer | $407.8M | Risk-based | 13.55% | 13.55% | 14.80% | 10.00% |
| Southern Bank | $407.9M | CBLR | NA | NA | NA | 8.18% |
| Winter Hill Bank, FSB | $407.9M | Risk-based | 16.87% | 16.87% | 17.63% | 10.04% |
| Anchor D Bank | $404.5M | Risk-based | 12.02% | 12.02% | 12.97% | 10.53% |
| Forte Bank | $404.5M | Risk-based | 12.96% | 12.96% | 14.10% | 10.56% |
| Pike National Bank | $408.8M | CBLR | NA | NA | NA | 11.73% |
| Homebank Texas | $403.0M | Risk-based | 15.19% | 15.19% | 16.37% | 11.59% |
| Peer 25th percentile | 12.96% | 12.96% | 14.10% | 10.17% | ||
| Peer median | 13.55% | 13.55% | 14.80% | 10.68% | ||
| Peer 75th percentile | 15.19% | 15.19% | 16.37% | 11.44% | ||
| This bank's percentile | 60 | 60 | 60 | 30 |
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/2718596/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.