The First National Bank in Marlow: 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%.
Risk-weighted assets dropped 10.3% in Q2 2026, from $50.2M to $45.0M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First National Bank in Marlow is 48th of 71 on CET1 ratio, 13.14% as of Q2 2026, below the middle of the field. The First National Bank in Marlow reported 13.14% on CET1 ratio for Q2 2026, 6.43 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.14% |
| Tier 1 risk-based capital ratio | 13.14% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 8.15% |
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 | $5.9M |
| Tier 1 capital | $5.9M |
| Total risk-based capital | $6.5M |
| Total equity capital | $5.1M |
| Risk-weighted assets | $45.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.15% |
| Tangible equity to tangible assets | 7.15% |
| Equity capital to average assets | 7.07% |
| Internal capital growth rate | 17.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $769K |
| Common stock surplus | $769K |
| Retained earnings | $4.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$784K |
| 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 | 12.25% | 12.25% | 12.66% | 7.87% | $46.5M |
| Q4 2023 | 11.76% | 11.76% | 12.18% | 7.87% | $49.2M |
| Q1 2024 | 12.29% | 12.29% | 12.75% | 7.85% | $47.6M |
| Q2 2024 | 12.47% | 12.47% | 12.93% | 8.24% | $47.4M |
| Q3 2024 | 12.10% | 12.10% | 12.62% | 8.17% | $49.5M |
| Q4 2024 | 12.05% | 12.05% | 12.56% | 8.09% | $50.1M |
| Q1 2025 | 11.31% | 11.31% | 11.98% | 7.61% | $50.2M |
| Q2 2025 | 11.42% | 11.42% | 12.15% | 7.84% | $50.4M |
| Q3 2025 | 10.33% | 10.33% | 11.59% | 7.22% | $50.4M |
| Q4 2025 | 10.90% | 10.90% | 12.16% | 7.65% | $50.2M |
| Q1 2026 | 11.35% | 11.35% | 12.61% | 7.97% | $50.2M |
| Q2 2026 | 13.14% | 13.14% | 14.40% | 8.15% | $45.0M |
The First National Bank in Marlow regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Marlow, 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 First National Bank in Marlow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26260) · FFIEC NIC profile (RSSD 17259)