FNBC 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%.
Accumulated other comprehensive income climbed 15.3% in Q2 2026, from -$19.1M to -$16.2M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, FNBC Bank is 23rd of 37 on CET1 ratio, 12.44% as of Q2 2026, below the middle of the field. FNBC Bank reported 12.44% on CET1 ratio for Q2 2026, 2.63 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.44% |
| Tier 1 risk-based capital ratio | 12.44% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 9.68% |
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 | $83.5M |
| Tier 1 capital | $83.5M |
| Total risk-based capital | $92.0M |
| Total equity capital | $68.6M |
| Risk-weighted assets | $671.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.14% |
| Tangible equity to tangible assets | 7.99% |
| Equity capital to average assets | 7.94% |
| Internal capital growth rate | 10.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $34.7M |
| Retained earnings | $50.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.2M |
| 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 | 11.66% | 11.66% | 12.92% | 9.08% | $600.6M |
| Q4 2023 | 11.09% | 11.09% | 12.35% | 8.55% | $622.2M |
| Q1 2024 | 10.90% | 10.90% | 12.16% | 8.55% | $641.3M |
| Q2 2024 | 11.00% | 11.00% | 12.26% | 8.67% | $651.8M |
| Q3 2024 | 10.88% | 10.88% | 12.13% | 9.09% | $680.1M |
| Q4 2024 | 11.41% | 11.41% | 12.66% | 8.92% | $640.1M |
| Q1 2025 | 11.68% | 11.68% | 12.93% | 9.14% | $644.6M |
| Q2 2025 | 11.89% | 11.89% | 13.14% | 9.42% | $654.4M |
| Q3 2025 | 11.80% | 11.80% | 13.06% | 9.36% | $672.5M |
| Q4 2025 | 11.51% | 11.51% | 12.77% | 9.14% | $680.1M |
| Q1 2026 | 12.10% | 12.10% | 13.36% | 9.48% | $675.0M |
| Q2 2026 | 12.44% | 12.44% | 13.70% | 9.68% | $671.5M |
FNBC Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC 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 FNBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1294) · FFIEC NIC profile (RSSD 100843)