The Frederick Community 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%.
Compared with Q1 2026, Risk-weighted assets rose 2.8% in Q2 2026 to $108.0M, the biggest move on this page. Within Illinois, The Frederick Community Bank is 58th of 198 on CET1 ratio, 19.01% 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. The Frederick Community Bank sits 3.94 points higher, at 19.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.01% |
| Tier 1 risk-based capital ratio | 19.01% |
| Total risk-based capital ratio | 19.97% |
| Tier 1 leverage ratio | 10.44% |
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 | $20.5M |
| Tier 1 capital | $20.5M |
| Total risk-based capital | $21.6M |
| Total equity capital | $20.5M |
| Risk-weighted assets | $108.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.43% |
| Tangible equity to tangible assets | 10.43% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | 5.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $3.2M |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$81K |
| 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 | 18.64% | 18.64% | 19.50% | 9.67% | $95.3M |
| Q4 2023 | 18.27% | 18.27% | 19.10% | 9.53% | $98.1M |
| Q1 2024 | 19.72% | 19.72% | 20.57% | 10.12% | $95.9M |
| Q2 2024 | 18.21% | 18.21% | 19.01% | 10.40% | $102.4M |
| Q3 2024 | 18.15% | 18.15% | 19.01% | 10.59% | $104.8M |
| Q4 2024 | 18.32% | 18.32% | 19.18% | 10.08% | $104.6M |
| Q1 2025 | 20.00% | 20.00% | 20.90% | 9.98% | $97.6M |
| Q2 2025 | 18.92% | 18.92% | 19.86% | 10.47% | $104.3M |
| Q3 2025 | 18.84% | 18.84% | 19.77% | 10.76% | $105.8M |
| Q4 2025 | 17.61% | 17.61% | 18.47% | 10.36% | $113.7M |
| Q1 2026 | 19.29% | 19.29% | 20.23% | 10.25% | $105.0M |
| Q2 2026 | 19.01% | 19.01% | 19.97% | 10.44% | $108.0M |
The Frederick Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Frederick Community 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 The Frederick Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10446) · FFIEC NIC profile (RSSD 687830)