1st Federal Savings Bank of SC, Inc.: 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%.
In Q2 2026, Equity capital to total assets edged up by 0.23 percentage points, from 8.71% to 8.94%, the largest move among the key lines here. Within South Carolina, 1st Federal Savings Bank of SC, Inc. is 10th of 30 on CET1 ratio, 19.20% as of Q2 2026, above the middle of the field. 1st Federal Savings Bank of SC, Inc. reported 19.20% on CET1 ratio for Q2 2026, 4.13 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.20% |
| Tier 1 risk-based capital ratio | 19.20% |
| Total risk-based capital ratio | 20.45% |
| Tier 1 leverage ratio | 9.68% |
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 | $14.4M |
| Tier 1 capital | $14.4M |
| Total risk-based capital | $15.3M |
| Total equity capital | $13.6M |
| Risk-weighted assets | $74.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.94% |
| Tangible equity to tangible assets | 8.94% |
| Equity capital to average assets | 9.12% |
| Internal capital growth rate | 6.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.1M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$831K |
| 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 | 15.50% | 15.50% | 16.67% | 7.96% | $78.7M |
| Q4 2023 | 14.76% | 14.76% | 15.88% | 7.93% | $83.5M |
| Q1 2024 | 14.95% | 14.95% | 16.10% | 7.86% | $83.2M |
| Q2 2024 | 14.87% | 14.87% | 16.02% | 7.71% | $84.4M |
| Q3 2024 | 17.41% | 17.41% | 18.56% | 9.00% | $84.5M |
| Q4 2024 | 16.44% | 16.44% | 17.65% | 8.77% | $79.8M |
| Q1 2025 | 16.97% | 16.97% | 18.21% | 8.87% | $78.1M |
| Q2 2025 | 17.27% | 17.27% | 18.51% | 9.01% | $78.1M |
| Q3 2025 | 18.09% | 18.09% | 19.34% | 9.13% | $75.9M |
| Q4 2025 | 18.65% | 18.65% | 19.89% | 9.33% | $74.7M |
| Q1 2026 | 18.95% | 18.95% | 20.20% | 9.47% | $74.7M |
| Q2 2026 | 19.20% | 19.20% | 20.45% | 9.68% | $74.9M |
1st Federal Savings Bank of SC, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Federal Savings Bank of SC, Inc., 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 1st Federal Savings Bank of SC, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31410) · FFIEC NIC profile (RSSD 535575)