The 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.9% to -$15.6M. The FNB Community Bank ranks 69th of 198 Illinois banks on CET1 ratio, in the upper half at 17.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The FNB Community Bank sits 2.73 points higher, at 17.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.80% |
| Tier 1 risk-based capital ratio | 17.80% |
| Total risk-based capital ratio | 18.84% |
| Tier 1 leverage ratio | 12.57% |
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 | $62.2M |
| Tier 1 capital | $62.2M |
| Total risk-based capital | $65.8M |
| Total equity capital | $49.9M |
| Risk-weighted assets | $349.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.99% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 10.01% |
| Internal capital growth rate | 13.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $188K |
| Common stock surplus | $3.8M |
| Retained earnings | $61.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.6M |
| 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 | 18.09% | 18.09% | 19.06% | 12.06% | $312.5M |
| Q4 2023 | 18.42% | 18.42% | 19.39% | 12.12% | $309.5M |
| Q1 2024 | 17.88% | 17.88% | 18.84% | 11.59% | $309.8M |
| Q2 2024 | 18.02% | 18.02% | 19.00% | 11.77% | $309.8M |
| Q3 2024 | 17.94% | 17.94% | 18.94% | 11.89% | $312.4M |
| Q4 2024 | 17.70% | 17.70% | 18.69% | 11.85% | $318.8M |
| Q1 2025 | 18.29% | 18.29% | 19.31% | 12.22% | $311.6M |
| Q2 2025 | 18.14% | 18.14% | 19.13% | 12.07% | $319.4M |
| Q3 2025 | 18.15% | 18.15% | 19.14% | 12.35% | $324.7M |
| Q4 2025 | 17.47% | 17.47% | 18.48% | 12.12% | $341.7M |
| Q1 2026 | 17.56% | 17.56% | 18.58% | 12.34% | $345.0M |
| Q2 2026 | 17.80% | 17.80% | 18.84% | 12.57% | $349.2M |
The FNB Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3840) · FFIEC NIC profile (RSSD 137447)