FNB 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%.
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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.40 percentage points to 15.85%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.48% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $39.6M |
| Tier 1 capital | $39.6M |
| Total risk-based capital | — |
| Total equity capital | $43.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.85% |
| Tangible equity to tangible assets | 14.45% |
| Equity capital to average assets | 15.67% |
| Internal capital growth rate | 8.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $11.6M |
| Retained earnings | $32.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$525K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.82% | 12.76% | 11.25% |
| Q4 2023 | 12.81% | 13.32% | 11.83% |
| Q1 2024 | 12.92% | 13.70% | 12.18% |
| Q2 2024 | 12.85% | 13.47% | 11.99% |
| Q3 2024 | 12.95% | 13.79% | 12.34% |
| Q4 2024 | 13.00% | 13.86% | 12.42% |
| Q1 2025 | 13.09% | 13.95% | 12.54% |
| Q2 2025 | 13.45% | 14.73% | 13.30% |
| Q3 2025 | 13.96% | 14.94% | 13.54% |
| Q4 2025 | 14.29% | 15.44% | 14.03% |
| Q1 2026 | 14.20% | 15.45% | 14.06% |
| Q2 2026 | 14.48% | 15.85% | 14.45% |
FNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB 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 FNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 954) · FFIEC NIC profile (RSSD 617743)