FNBT 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total risk-based capital ratio: 2.44 percentage points higher than in Q1 2026, at 31.81%. On CET1 ratio, FNBT Bank ranks 3rd highest among the 56 banks headquartered in Florida, at 30.55% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, FNBT Bank reported 30.55% on CET1 ratio in Q2 2026, 15.47 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.55% |
| Tier 1 risk-based capital ratio | 30.55% |
| Total risk-based capital ratio | 31.81% |
| Tier 1 leverage ratio | 11.08% |
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 | $70.8M |
| Tier 1 capital | $70.8M |
| Total risk-based capital | $73.7M |
| Total equity capital | $70.8M |
| Risk-weighted assets | $231.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.26% |
| Tangible equity to tangible assets | 11.26% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | 13.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $1.4M |
| Retained earnings | $68.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 26.72% | 26.72% | 27.97% | 11.19% | $242.8M |
| Q4 2023 | 25.07% | 25.07% | 26.33% | 10.87% | $249.9M |
| Q1 2024 | 24.94% | 24.94% | 26.20% | 11.31% | $262.3M |
| Q2 2024 | 24.62% | 24.62% | 25.87% | 11.35% | $268.8M |
| Q3 2024 | 24.43% | 24.43% | 25.69% | 10.83% | $261.7M |
| Q4 2024 | 24.25% | 24.25% | 25.51% | 10.90% | $265.8M |
| Q1 2025 | 25.11% | 25.11% | 26.36% | 11.42% | $269.7M |
| Q2 2025 | 26.06% | 26.06% | 27.31% | 11.25% | $260.4M |
| Q3 2025 | 26.38% | 26.38% | 27.64% | 11.10% | $260.9M |
| Q4 2025 | 27.14% | 27.14% | 28.39% | 10.99% | $250.4M |
| Q1 2026 | 28.12% | 28.12% | 29.37% | 10.78% | $243.4M |
| Q2 2026 | 30.55% | 30.55% | 31.81% | 11.08% | $231.6M |
FNBT Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBT 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 FNBT Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)