Newfirst National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 12.47% +3.47 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $116.9M | 116,911 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $937.7M | 937,681 | RCOAA224 |
| Recomputed ratio | 12.47% | numerator / denominator | |
| Filed ratio | 12.47% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.47 pp | $32.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 4,900 | 4,900 | 4,900 | 4,900 | 4,900 | 4,900 | RCOAP742 |
| Retained earnings | 112,011 | 111,710 | 107,089 | 107,713 | 107,012 | 108,662 | RCOAKW00 |
| Accumulated other comprehensive income | (1,258) | (1,328) | (1,403) | (1,658) | (2,212) | (2,638) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 115,653 | 115,282 | 110,586 | 110,955 | 109,700 | 110,924 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,258 | 1,328 | 1,403 | 1,658 | 2,212 | 2,638 | P859 - P840 |
| Common equity Tier 1 capital | 116,911 | 116,610 | 111,989 | 112,613 | 111,912 | 113,562 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 116,911 | 116,610 | 111,989 | 112,613 | 111,912 | 113,562 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 937,681 | 946,263 | 928,797 | 917,870 | 926,011 | 939,946 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 12.47% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.32% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.06% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.27% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.09% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.87% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.55% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.83% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.75% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Newfirst National Bank (this bank) | CBLR | NA | NA | NA | 12.47% | |
| American Plus Bank, N.A. | $935.0M | CBLR | NA | NA | NA | 16.46% |
| First Commerce Bank | $935.1M | CBLR | NA | NA | NA | 10.21% |
| Passumpsic Savings Bank | $934.5M | Risk-based | 19.67% | 19.67% | 20.84% | 13.06% |
| Bank of Eastern Oregon | $933.6M | CBLR | NA | NA | NA | 11.59% |
| Texas Heritage National Bank | $936.4M | Risk-based | 11.14% | 11.14% | 12.35% | 10.17% |
| Pinnacle Bank | $937.0M | Risk-based | 16.45% | 16.45% | 17.54% | 11.88% |
| Franklin Savings Bank | $931.4M | CBLR | NA | NA | NA | 9.75% |
| Vermillion State Bank | $931.4M | CBLR | NA | NA | NA | 13.40% |
| Security Bank | $939.0M | Risk-based | 13.34% | 13.34% | 14.60% | 11.84% |
| United Prairie Bank | $939.3M | CBLR | NA | NA | NA | 9.68% |
| Peer 25th percentile | 12.79% | 12.79% | 14.03% | 10.18% | ||
| Peer median | 14.89% | 14.89% | 16.07% | 11.71% | ||
| Peer 75th percentile | 17.25% | 17.25% | 18.37% | 12.76% | ||
| This bank's percentile | NA | NA | NA | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/938859/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.