FNBC Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.70% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.70% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.44% +5.94 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $83.5M | 83,530 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $671.5M | 671,503 | RCOAA223 |
| Recomputed ratio | 12.44% | numerator / denominator | |
| Filed ratio | 12.44% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.94 pp | $39.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.44% +4.44 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $83.5M | 83,530 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $671.5M | 671,503 | RCOAA223 |
| Recomputed ratio | 12.44% | numerator / denominator | |
| Filed ratio | 12.44% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.44 pp | $29.8M | capital that could be lost first |
Total risk-based capital ratio 13.70% +3.70 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $92.0M | 91,970 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $671.5M | 671,503 | RCOAA223 |
| Recomputed ratio | 13.70% | numerator / denominator | |
| Filed ratio | 13.70% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.70 pp | $24.8M | capital that could be lost first |
Tier 1 leverage ratio 9.68% +4.68 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $83.5M | 83,530 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $863.0M | 863,004 | RCOAA224 |
| Recomputed ratio | 9.68% | numerator / denominator | |
| Filed ratio | 9.68% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.68 pp | $40.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 34,803 | 34,803 | 34,803 | 34,803 | 34,803 | 34,803 | RCOAP742 |
| Retained earnings | 50,065 | 48,364 | 45,145 | 46,388 | 44,974 | 42,619 | RCOAKW00 |
| Accumulated other comprehensive income | (16,219) | (19,147) | (16,424) | (18,997) | (23,701) | (23,683) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 68,649 | 64,020 | 63,524 | 62,194 | 56,076 | 53,739 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,881 | 17,649 | 14,766 | 17,178 | 21,722 | 21,543 | P859 - P840 |
| Common equity Tier 1 capital | 83,530 | 81,669 | 78,290 | 79,372 | 77,798 | 75,282 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 83,530 | 81,669 | 78,290 | 79,372 | 77,798 | 75,282 | RCOA8274 |
| Tier 2 capital | 8,440 | 8,481 | 8,538 | 8,439 | 8,212 | 8,090 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,440 | 8,481 | 8,538 | 8,439 | 8,212 | 8,090 | RCOA5310 |
| Total capital | 91,970 | 90,150 | 86,828 | 87,811 | 86,010 | 83,372 | RCOA3792 |
| Total risk-weighted assets | 671,503 | 674,981 | 680,109 | 672,457 | 654,367 | 644,622 | RCOAA223 |
| Average total assets for the leverage ratio | 863,004 | 861,063 | 856,954 | 847,672 | 825,527 | 823,879 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $13.3M | $1.4M | 10.53% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $168.0M | $51.4M | 30.63% | 7.62% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $184.5M | $96.9M | 52.52% | 14.35% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $3.7M | $5.5M | 150.00% | 0.81% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $2.9M | $4.4M | 150.00% | 0.65% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $423.2M | $420.1M | 99.28% | 62.22% | RC-R Part II, item 4.d, 5.d |
| All other assets | $35.2M | $31.0M | 88.12% | 4.60% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $482K | $6.0M | 1250.00% | 0.89% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $19.2M | $19.2M | 100.00% | 2.84% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $39.2M | NA | 5.80% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $636.0M | ties to item 31 ($636.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $675.2M | RCONB704 |
| Less: excess allowance for credit losses | $3.7M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $671.5M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.10% | 12.10% | 13.36% | 9.48% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.51% | 11.51% | 12.77% | 9.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.80% | 11.80% | 13.06% | 9.36% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.89% | 11.89% | 13.14% | 9.42% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.68% | 11.68% | 12.93% | 9.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.41% | 11.41% | 12.66% | 8.92% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.88% | 10.88% | 12.13% | 9.09% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.00% | 11.00% | 12.26% | 8.67% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.90% | 10.90% | 12.16% | 8.55% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.09% | 11.09% | 12.35% | 8.55% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.66% | 11.66% | 12.92% | 9.08% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| FNBC Bank (this bank) | Risk-based | 12.44% | 12.44% | 13.70% | 9.68% | |
| United Southern Bank | $843.0M | CBLR | NA | NA | NA | 10.77% |
| The Old Fort Banking Company | $843.9M | Risk-based | 15.16% | 15.16% | 16.20% | 8.89% |
| Millennium Bank | $844.5M | CBLR | NA | NA | NA | 9.41% |
| Carolina Bank & Trust Company | $844.6M | Risk-based | 20.14% | 20.14% | 21.40% | 13.51% |
| The Fountain Trust Company | $844.6M | Risk-based | 15.50% | 15.50% | 16.75% | 9.99% |
| Bank of Sun Prairie | $841.2M | Risk-based | 13.27% | 13.27% | 14.52% | 9.99% |
| First Resource Bank | $840.9M | Risk-based | 10.94% | 10.94% | 11.83% | 8.62% |
| Bankiowa | $846.2M | CBLR | NA | NA | NA | 12.46% |
| First Utah Bank | $840.3M | CBLR | NA | NA | NA | 10.22% |
| Prairie State Bank & Trust | $840.1M | CBLR | NA | NA | NA | 12.39% |
| Peer 25th percentile | 13.27% | 13.27% | 14.52% | 9.56% | ||
| Peer median | 15.16% | 15.16% | 16.20% | 10.11% | ||
| Peer 75th percentile | 15.50% | 15.50% | 16.75% | 11.98% | ||
| This bank's percentile | 20 | 20 | 20 | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/100843/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.