The Litchfield National 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 rose 0.45 percentage points to 8.07%. The Litchfield National Bank ranks 83rd of 198 Illinois banks on CET1 ratio, in the upper half at 16.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Litchfield National Bank sits 1.03 points higher, at 16.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.10% |
| Tier 1 risk-based capital ratio | 16.10% |
| Total risk-based capital ratio | 17.24% |
| Tier 1 leverage ratio | 8.94% |
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 | $12.6M |
| Tier 1 capital | $12.6M |
| Total risk-based capital | $13.5M |
| Total equity capital | $11.0M |
| Risk-weighted assets | $78.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.07% |
| Tangible equity to tangible assets | 8.07% |
| Equity capital to average assets | 7.78% |
| Internal capital growth rate | 4.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $300K |
| Retained earnings | $12.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 14.05% | 14.05% | 15.17% | 8.35% | $78.3M |
| Q4 2023 | 14.26% | 14.26% | 15.40% | 8.42% | $77.8M |
| Q1 2024 | 14.95% | 14.95% | 16.07% | 8.41% | $74.4M |
| Q2 2024 | 15.06% | 15.06% | 16.18% | 8.35% | $74.8M |
| Q3 2024 | 14.71% | 14.71% | 15.79% | 8.72% | $77.3M |
| Q4 2024 | 14.80% | 14.80% | 15.89% | 8.65% | $77.5M |
| Q1 2025 | 15.07% | 15.07% | 16.18% | 8.73% | $77.3M |
| Q2 2025 | 15.03% | 15.03% | 16.07% | 8.77% | $79.4M |
| Q3 2025 | 15.38% | 15.38% | 16.46% | 8.76% | $79.3M |
| Q4 2025 | 15.64% | 15.64% | 16.72% | 8.75% | $78.4M |
| Q1 2026 | 15.76% | 15.76% | 16.85% | 8.81% | $79.1M |
| Q2 2026 | 16.10% | 16.10% | 17.24% | 8.94% | $78.1M |
The Litchfield National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Litchfield National 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 Litchfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3808) · FFIEC NIC profile (RSSD 372444)