Colorado Federal Savings 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 standout move of Q2 2026 was in Equity capital to total assets: 1.29 percentage points higher than in Q1 2026, at 11.28%. Within Colorado, Colorado Federal Savings Bank is 13th of 34 on CET1 ratio, 16.64% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Colorado Federal Savings Bank sits 3.17 points higher, at 16.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.64% |
| Tier 1 risk-based capital ratio | 16.64% |
| Total risk-based capital ratio | 17.50% |
| Tier 1 leverage ratio | 10.47% |
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 | $261.6M |
| Tier 1 capital | $261.6M |
| Total risk-based capital | $275.0M |
| Total equity capital | $260.7M |
| Risk-weighted assets | $1.57B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.14% |
| Equity capital to average assets | 10.42% |
| Internal capital growth rate | 5.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $852K |
| Common stock surplus | $145.2M |
| Retained earnings | $119.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 17.83% | 17.83% | 18.75% | 12.04% | $1.49B |
| Q4 2023 | 15.17% | 15.17% | 16.08% | 9.90% | $1.53B |
| Q1 2024 | 15.16% | 15.16% | 16.04% | 9.94% | $1.56B |
| Q2 2024 | 14.84% | 14.84% | 15.69% | 10.17% | $1.61B |
| Q3 2024 | 15.79% | 15.79% | 16.65% | 10.48% | $1.59B |
| Q4 2024 | 14.76% | 14.76% | 15.60% | 10.20% | $1.65B |
| Q1 2025 | 15.33% | 15.33% | 16.19% | 10.50% | $1.59B |
| Q2 2025 | 15.98% | 15.98% | 16.86% | 10.37% | $1.55B |
| Q3 2025 | 15.76% | 15.76% | 16.60% | 9.82% | $1.60B |
| Q4 2025 | 16.06% | 16.06% | 16.90% | 9.74% | $1.60B |
| Q1 2026 | 16.03% | 16.03% | 16.87% | 9.94% | $1.61B |
| Q2 2026 | 16.64% | 16.64% | 17.50% | 10.47% | $1.57B |
Colorado Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Colorado Federal Savings 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 Colorado Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33111) · FFIEC NIC profile (RSSD 1718469)