Amerifirst 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 6.0% in Q2 2026 to -$1.8M, the biggest move on this page. Within Alabama, Amerifirst Bank is 28th of 36 on CET1 ratio, 11.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Amerifirst Bank sits 3.10 points lower, at 11.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.97% |
| Tier 1 risk-based capital ratio | 11.97% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.66% |
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 | $34.6M |
| Tier 1 capital | $34.6M |
| Total risk-based capital | $37.9M |
| Total equity capital | $34.6M |
| Risk-weighted assets | $289.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.50% |
| Tangible equity to tangible assets | 9.06% |
| Equity capital to average assets | 9.60% |
| Internal capital growth rate | 14.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $381K |
| Common stock surplus | $14.2M |
| Retained earnings | $21.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 12.30% | 12.30% | 13.33% | 9.79% | $245.8M |
| Q4 2023 | 12.36% | 12.36% | 13.44% | 9.65% | $248.4M |
| Q1 2024 | 12.73% | 12.73% | 13.82% | 9.95% | $248.6M |
| Q2 2024 | 13.56% | 13.56% | 14.70% | 10.52% | $239.9M |
| Q3 2024 | 12.83% | 12.83% | 13.94% | 9.40% | $255.5M |
| Q4 2024 | 11.60% | 11.60% | 12.67% | 9.33% | $270.5M |
| Q1 2025 | 11.97% | 11.97% | 13.06% | 9.56% | $270.7M |
| Q2 2025 | 12.20% | 12.20% | 13.33% | 9.72% | $274.8M |
| Q3 2025 | 11.90% | 11.90% | 13.15% | 9.45% | $276.5M |
| Q4 2025 | 11.33% | 11.33% | 12.43% | 9.04% | $285.1M |
| Q1 2026 | 11.67% | 11.67% | 12.77% | 9.33% | $286.3M |
| Q2 2026 | 11.97% | 11.97% | 13.10% | 9.66% | $289.3M |
Amerifirst Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerifirst 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 Amerifirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2838) · FFIEC NIC profile (RSSD 139133)