First Utah Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 10.22% +1.22 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $85.9M | 85,861 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $839.8M | 839,835 | RCOAA224 |
| Recomputed ratio | 10.22% | numerator / denominator | |
| Filed ratio | 10.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.22 pp | $10.3M | 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 | 46,246 | 46,246 | 46,246 | 46,246 | 46,246 | 46,246 | RCOAP742 |
| Retained earnings | 41,563 | 40,071 | 38,982 | 37,748 | 35,664 | 34,631 | RCOAKW00 |
| Accumulated other comprehensive income | (2,390) | (2,155) | (2,039) | (2,090) | (2,749) | (2,618) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 85,419 | 84,162 | 83,189 | 81,904 | 79,161 | 78,259 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 442 | 245 | (1,871) | (2,233) | (2,061) | (1,242) | P859 - P840 |
| Common equity Tier 1 capital | 85,861 | 84,407 | 81,318 | 79,671 | 77,100 | 77,017 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 85,861 | 84,407 | 81,318 | 79,671 | 77,100 | 77,017 | RCOA8274 |
| Tier 2 capital | NA | 8,525 | 8,468 | 8,488 | 8,277 | 8,246 | |
| Allowance includable in Tier 2 capital | NA | 8,525 | 8,468 | 8,488 | 8,277 | 8,246 | |
| Total capital | NA | 92,932 | 89,786 | 88,159 | 85,377 | 85,263 | |
| Total risk-weighted assets | NA | 711,933 | 693,310 | 716,420 | 711,404 | 690,807 | |
| Average total assets for the leverage ratio | 839,835 | 845,069 | 848,557 | 849,860 | 845,492 | 855,484 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 10.22% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.86% | 11.86% | 13.05% | 9.99% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.73% | 11.73% | 12.95% | 9.58% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.12% | 11.12% | 12.31% | 9.37% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.84% | 10.84% | 12.00% | 9.12% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.15% | 11.15% | 12.34% | 9.00% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.81% | 10.81% | 11.98% | 9.21% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.52% | 11.52% | 12.64% | 9.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.99% | 11.99% | 13.08% | 9.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.82% | 11.82% | 12.92% | 9.88% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.07% | 12.07% | 13.20% | 9.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.41% | 12.41% | 13.45% | 10.04% | 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 Utah Bank (this bank) | CBLR | NA | NA | NA | 10.22% | |
| Prairie State Bank & Trust | $840.1M | CBLR | NA | NA | NA | 12.39% |
| First Resource Bank | $840.9M | Risk-based | 10.94% | 10.94% | 11.83% | 8.62% |
| Bank of Sun Prairie | $841.2M | Risk-based | 13.27% | 13.27% | 14.52% | 9.99% |
| Hebron Savings Bank | $838.8M | Risk-based | 16.05% | 16.05% | 17.30% | 13.35% |
| Freedom Bank | $838.3M | Risk-based | 11.95% | 11.95% | 12.62% | 9.78% |
| United Southern Bank | $843.0M | CBLR | NA | NA | NA | 10.77% |
| Northeast Bank | $837.3M | Risk-based | 12.31% | 12.31% | 13.17% | 10.13% |
| FNBC Bank | $843.3M | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% |
| The Old Fort Banking Company | $843.9M | Risk-based | 15.16% | 15.16% | 16.20% | 8.89% |
| First State Bank of Middlebury | $836.2M | Risk-based | 16.45% | 16.45% | 17.70% | 13.37% |
| Peer 25th percentile | 12.22% | 12.22% | 13.03% | 9.70% | ||
| Peer median | 12.85% | 12.85% | 14.11% | 10.06% | ||
| Peer 75th percentile | 15.39% | 15.39% | 16.47% | 11.98% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/207872/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.