Infirst 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%.
Accumulated other comprehensive income dropped 8.1% in Q2 2026, from -$1.9M to -$2.0M. It was the largest change from Q1 2026 among the key lines here. Infirst Bank ranks 37th of 72 Pennsylvania banks on CET1 ratio, in the lower half at 13.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Infirst Bank sits 1.16 points lower, at 13.91% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.91% |
| Tier 1 risk-based capital ratio | 13.91% |
| Total risk-based capital ratio | 15.17% |
| Tier 1 leverage ratio | 9.49% |
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 | $64.6M |
| Tier 1 capital | $64.6M |
| Total risk-based capital | $70.4M |
| Total equity capital | $62.6M |
| Risk-weighted assets | $464.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.16% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 9.20% |
| Internal capital growth rate | 13.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $64.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 14.22% | 14.22% | 15.48% | 9.86% | $366.0M |
| Q4 2023 | 14.20% | 14.20% | 15.45% | 9.87% | $371.2M |
| Q1 2024 | 14.63% | 14.63% | 15.88% | 9.71% | $364.5M |
| Q2 2024 | 13.99% | 13.99% | 15.24% | 9.42% | $385.7M |
| Q3 2024 | 14.00% | 14.00% | 15.26% | 9.36% | $391.2M |
| Q4 2024 | 13.60% | 13.60% | 14.85% | 9.31% | $410.9M |
| Q1 2025 | 13.28% | 13.28% | 14.54% | 9.19% | $427.2M |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 9.18% | $438.3M |
| Q3 2025 | 13.40% | 13.40% | 14.65% | 9.06% | $445.0M |
| Q4 2025 | 13.72% | 13.72% | 14.98% | 9.17% | $445.7M |
| Q1 2026 | 13.90% | 13.90% | 15.15% | 9.32% | $450.5M |
| Q2 2026 | 13.91% | 13.91% | 15.17% | 9.49% | $464.4M |
Infirst Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Infirst 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 Infirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27763) · FFIEC NIC profile (RSSD 904171)