FNNB 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 Equity capital to total assets, which fell 0.46 percentage points to 8.31%. FNNB Bank ranks 82nd of 114 Iowa banks on CET1 ratio, in the lower half at 12.38% (Q2 2026). FNNB Bank reported 12.38% on CET1 ratio for Q2 2026, 2.70 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.38% |
| Tier 1 risk-based capital ratio | 12.38% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 9.74% |
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 | $10.1M |
| Tier 1 capital | $10.1M |
| Total risk-based capital | $11.0M |
| Total equity capital | $9.1M |
| Risk-weighted assets | $81.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.31% |
| Tangible equity to tangible assets | 8.31% |
| Equity capital to average assets | 8.74% |
| Internal capital growth rate | 3.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.5M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 11.20% | 11.20% | 12.02% | 7.25% | $73.2M |
| Q4 2023 | 11.07% | 11.07% | 11.94% | 7.30% | $75.3M |
| Q1 2024 | 10.95% | 10.95% | 11.81% | 7.36% | $75.9M |
| Q2 2024 | 11.45% | 11.45% | 12.36% | 7.56% | $74.1M |
| Q3 2024 | 12.66% | 12.66% | 13.67% | 8.44% | $72.2M |
| Q4 2024 | 13.15% | 13.15% | 14.21% | 8.70% | $70.9M |
| Q1 2025 | 12.96% | 12.96% | 14.00% | 8.90% | $72.4M |
| Q2 2025 | 12.70% | 12.70% | 13.71% | 9.06% | $75.0M |
| Q3 2025 | 12.96% | 12.96% | 13.99% | 9.34% | $75.0M |
| Q4 2025 | 13.03% | 13.03% | 14.07% | 9.58% | $75.8M |
| Q1 2026 | 12.73% | 12.73% | 13.76% | 9.86% | $79.1M |
| Q2 2026 | 12.38% | 12.38% | 13.40% | 9.74% | $81.9M |
FNNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNNB 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 FNNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4482) · FFIEC NIC profile (RSSD 242949)