FNBC Bank and Trust: 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%.
Compared with Q1 2026, Common equity Tier 1 ratio fell 0.85 percentage points in Q2 2026 to 17.63%, the biggest move on this page. Within Illinois, FNBC Bank and Trust is 72nd of 198 on CET1 ratio, 17.63% 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. FNBC Bank and Trust sits 2.56 points higher, at 17.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.63% |
| Tier 1 risk-based capital ratio | 17.63% |
| Total risk-based capital ratio | 18.81% |
| Tier 1 leverage ratio | 10.02% |
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 | $58.4M |
| Tier 1 capital | $58.4M |
| Total risk-based capital | $62.4M |
| Total equity capital | $54.0M |
| Risk-weighted assets | $331.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.08% |
| Equity capital to average assets | 9.24% |
| Internal capital growth rate | -5.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $20.4M |
| Retained earnings | $37.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 18.27% | 18.27% | 19.51% | 9.22% | $297.2M |
| Q4 2023 | 18.21% | 18.21% | 19.44% | 9.15% | $300.4M |
| Q1 2024 | 17.71% | 17.71% | 18.90% | 9.31% | $308.7M |
| Q2 2024 | 17.58% | 17.58% | 18.75% | 9.39% | $315.0M |
| Q3 2024 | 18.07% | 18.07% | 19.27% | 9.58% | $307.9M |
| Q4 2024 | 18.57% | 18.57% | 19.82% | 9.49% | $299.6M |
| Q1 2025 | 18.49% | 18.49% | 19.72% | 9.61% | $303.5M |
| Q2 2025 | 18.62% | 18.62% | 19.86% | 9.89% | $303.2M |
| Q3 2025 | 18.61% | 18.61% | 19.84% | 9.89% | $306.9M |
| Q4 2025 | 18.57% | 18.57% | 19.76% | 9.69% | $315.1M |
| Q1 2026 | 18.48% | 18.48% | 19.66% | 10.00% | $320.2M |
| Q2 2026 | 17.63% | 17.63% | 18.81% | 10.02% | $331.5M |
FNBC Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11306) · FFIEC NIC profile (RSSD 608844)