First US 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 Q2 2026 was in Accumulated other comprehensive income: 34.6% lower than in Q1 2026, at -$1.7M. First US Bank ranks 32nd of 36 Alabama banks on CET1 ratio, in the lower half at 10.85% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. First US Bank sits 2.63 points lower, at 10.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.85% |
| Tier 1 risk-based capital ratio | 10.85% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 9.16% |
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 | $103.5M |
| Tier 1 capital | $103.5M |
| Total risk-based capital | $114.7M |
| Total equity capital | $109.2M |
| Risk-weighted assets | $954.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.52% |
| Tangible equity to tangible assets | 8.93% |
| Equity capital to average assets | 9.61% |
| Internal capital growth rate | 0.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $21.3M |
| Retained earnings | $89.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 10.81% | 10.81% | 12.06% | 9.09% | $891.0M |
| Q4 2023 | 10.88% | 10.88% | 12.11% | 9.36% | $902.6M |
| Q1 2024 | 11.11% | 11.11% | 12.32% | 9.37% | $899.8M |
| Q2 2024 | 11.28% | 11.28% | 12.47% | 9.46% | $895.4M |
| Q3 2024 | 11.45% | 11.45% | 12.63% | 9.49% | $894.3M |
| Q4 2024 | 11.31% | 11.31% | 12.47% | 9.50% | $911.0M |
| Q1 2025 | 11.08% | 11.08% | 12.23% | 9.55% | $936.5M |
| Q2 2025 | 10.70% | 10.70% | 11.93% | 9.23% | $965.0M |
| Q3 2025 | 10.77% | 10.77% | 11.92% | 9.19% | $961.7M |
| Q4 2025 | 10.88% | 10.88% | 12.05% | 9.03% | $946.3M |
| Q1 2026 | 10.85% | 10.85% | 11.99% | 8.85% | $952.0M |
| Q2 2026 | 10.85% | 10.85% | 12.02% | 9.16% | $954.1M |
First US Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First US 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 US Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17077) · FFIEC NIC profile (RSSD 259330)