FirstBank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings fell 5.8% in Q2 2026 to $488.7M, the biggest move on this page. FirstBank ranks 62nd of 71 Tennessee banks on CET1 ratio, in the lower half at 11.29% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. FirstBank sits 1.67 points lower, at 11.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.29% |
| Tier 1 risk-based capital ratio | 11.29% |
| Total risk-based capital ratio | 12.54% |
| Tier 1 leverage ratio | 10.35% |
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 | $1.65B |
| Tier 1 capital | $1.65B |
| Total risk-based capital | $1.84B |
| Total equity capital | $1.97B |
| Risk-weighted assets | $14.66B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.75% |
| Tangible equity to tangible assets | 9.71% |
| Equity capital to average assets | 12.05% |
| Internal capital growth rate | -5.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $1.52B |
| Retained earnings | $488.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.8M |
| 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 | 11.82% | 11.82% | 13.82% | 10.77% | $11.39B |
| Q4 2023 | 12.20% | 12.20% | 14.25% | 11.06% | $11.24B |
| Q1 2024 | 12.54% | 12.54% | 14.69% | 11.08% | $11.04B |
| Q2 2024 | 12.71% | 12.71% | 14.87% | 11.45% | $11.06B |
| Q3 2024 | 12.70% | 12.70% | 14.85% | 11.19% | $11.12B |
| Q4 2024 | 12.60% | 12.60% | 14.75% | 10.82% | $11.19B |
| Q1 2025 | 12.65% | 12.65% | 14.78% | 11.01% | $11.35B |
| Q2 2025 | 12.10% | 12.10% | 14.22% | 10.80% | $11.49B |
| Q3 2025 | 12.01% | 12.01% | 13.26% | 10.78% | $14.06B |
| Q4 2025 | 11.69% | 11.69% | 12.95% | 10.46% | $14.14B |
| Q1 2026 | 11.81% | 11.81% | 13.06% | 10.58% | $14.25B |
| Q2 2026 | 11.29% | 11.29% | 12.54% | 10.35% | $14.66B |
FirstBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank, 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 FirstBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8663) · FFIEC NIC profile (RSSD 436159)