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 standout move of Q2 2026 was in Equity capital to total assets: 0.91 percentage points higher than in Q1 2026, at 8.80%. FNB Bank ranks 45th of 86 Kansas banks on CET1 ratio, in the lower half at 14.21% (Q2 2026). FNB Bank reported 14.21% on CET1 ratio for Q2 2026, 0.87 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.21% |
| Tier 1 risk-based capital ratio | 14.21% |
| Total risk-based capital ratio | 15.46% |
| Tier 1 leverage ratio | 10.21% |
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 | $28.9M |
| Tier 1 capital | $28.9M |
| Total risk-based capital | $31.4M |
| Total equity capital | $23.8M |
| Risk-weighted assets | $203.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.80% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 8.41% |
| Internal capital growth rate | 16.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $9.4M |
| Retained earnings | $17.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 15.56% | 15.56% | 16.81% | 11.18% | $187.7M |
| Q4 2023 | 14.49% | 14.49% | 15.74% | 10.39% | $192.0M |
| Q1 2024 | 14.67% | 14.67% | 15.92% | 10.44% | $188.7M |
| Q2 2024 | 13.91% | 13.91% | 15.16% | 10.63% | $199.7M |
| Q3 2024 | 14.55% | 14.55% | 15.80% | 10.69% | $194.8M |
| Q4 2024 | 13.86% | 13.86% | 15.11% | 10.48% | $198.7M |
| Q1 2025 | 14.28% | 14.28% | 15.53% | 10.79% | $198.1M |
| Q2 2025 | 13.70% | 13.70% | 14.95% | 10.99% | $210.1M |
| Q3 2025 | 14.05% | 14.05% | 15.30% | 11.04% | $210.4M |
| Q4 2025 | 12.45% | 12.45% | 13.71% | 10.06% | $217.7M |
| Q1 2026 | 13.36% | 13.36% | 14.62% | 9.93% | $209.2M |
| Q2 2026 | 14.21% | 14.21% | 15.46% | 10.21% | $203.4M |
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 14420) · FFIEC NIC profile (RSSD 805250)