Flora Bank & Trust: 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 largest change between Q1 2026 and Q2 2026 was in Common equity Tier 1 ratio, which rose 0.80 percentage points to 15.25%. Within Illinois, Flora Bank & Trust is 96th of 198 on CET1 ratio, 15.25% as of Q2 2026, above the middle of the field. At 15.25%, Flora Bank & Trust'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 | 15.25% |
| Tier 1 risk-based capital ratio | 15.25% |
| Total risk-based capital ratio | 15.58% |
| Tier 1 leverage ratio | 8.94% |
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 | $11.3M |
| Tier 1 capital | $11.3M |
| Total risk-based capital | $11.6M |
| Total equity capital | $8.1M |
| Risk-weighted assets | $74.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.40% |
| Tangible equity to tangible assets | 6.40% |
| Equity capital to average assets | 6.36% |
| Internal capital growth rate | 15.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.8M |
| Retained earnings | $9.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 16.76% | 16.76% | 17.08% | 10.01% | $65.3M |
| Q4 2023 | 15.21% | 15.21% | 15.54% | 9.48% | $69.3M |
| Q1 2024 | 15.40% | 15.40% | 15.72% | 9.14% | $67.8M |
| Q2 2024 | 14.99% | 14.99% | 15.30% | 9.34% | $69.8M |
| Q3 2024 | 14.38% | 14.38% | 14.67% | 9.15% | $73.0M |
| Q4 2024 | 14.07% | 14.07% | 14.36% | 8.77% | $74.7M |
| Q1 2025 | 14.81% | 14.81% | 15.13% | 8.96% | $71.2M |
| Q2 2025 | 15.08% | 15.08% | 15.42% | 9.15% | $70.8M |
| Q3 2025 | 15.36% | 15.36% | 15.71% | 9.18% | $70.7M |
| Q4 2025 | 14.77% | 14.77% | 15.11% | 9.25% | $74.4M |
| Q1 2026 | 14.45% | 14.45% | 14.79% | 8.96% | $76.2M |
| Q2 2026 | 15.25% | 15.25% | 15.58% | 8.94% | $74.3M |
Flora Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Flora Bank & Trust, 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 Flora Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22598) · FFIEC NIC profile (RSSD 777441)