FNB Community 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%.
Risk-weighted assets climbed 7.9% in Q2 2026, from $304.3M to $328.4M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, FNB Community Bank is 29th of 71 on CET1 ratio, 16.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. FNB Community Bank sits 1.02 points higher, at 16.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.35% |
| Tier 1 leverage ratio | 10.54% |
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 | $52.9M |
| Tier 1 capital | $52.9M |
| Total risk-based capital | $57.0M |
| Total equity capital | $46.4M |
| Risk-weighted assets | $328.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.67% |
| Tangible equity to tangible assets | 9.63% |
| Equity capital to average assets | 9.25% |
| Internal capital growth rate | 0.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $3.0M |
| Retained earnings | $47.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.6M |
| 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 | 16.11% | 16.11% | 17.37% | 9.68% | $313.8M |
| Q4 2023 | 16.00% | 16.00% | 17.26% | 9.79% | $313.1M |
| Q1 2024 | 16.53% | 16.53% | 17.79% | 9.50% | $303.7M |
| Q2 2024 | 16.34% | 16.34% | 17.61% | 9.22% | $305.7M |
| Q3 2024 | 16.95% | 16.95% | 18.21% | 9.93% | $298.0M |
| Q4 2024 | 17.46% | 17.46% | 18.73% | 10.89% | $292.0M |
| Q1 2025 | 18.75% | 18.75% | 20.01% | 10.62% | $276.2M |
| Q2 2025 | 18.07% | 18.07% | 19.33% | 10.54% | $284.4M |
| Q3 2025 | 17.83% | 17.83% | 19.10% | 10.64% | $288.8M |
| Q4 2025 | 17.17% | 17.17% | 18.43% | 10.72% | $300.3M |
| Q1 2026 | 17.35% | 17.35% | 18.61% | 10.48% | $304.3M |
| Q2 2026 | 16.09% | 16.09% | 17.35% | 10.54% | $328.4M |
FNB Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16127) · FFIEC NIC profile (RSSD 839255)