Dearborn 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.67 percentage points to 25.16%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.86% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $77.3M |
| Tier 1 capital | $77.3M |
| Total risk-based capital | — |
| Total equity capital | $77.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 25.16% |
| Tangible equity to tangible assets | 25.16% |
| Equity capital to average assets | 25.80% |
| Internal capital growth rate | 0.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $77.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$192K |
| 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 | 53.98% | 53.98% | 55.18% | 29.67% | $145.7M |
| Q4 2023 | 53.13% | 53.13% | 54.26% | 29.51% | $147.9M |
| Q1 2024 | 52.85% | 52.85% | 53.94% | 29.31% | $148.7M |
| Q2 2024 | 51.22% | 51.22% | 52.41% | 29.10% | $153.2M |
| Q3 2024 | 52.07% | 52.07% | 53.11% | 29.07% | $150.8M |
| Q4 2024 | 51.23% | 51.23% | 52.26% | 28.86% | $153.5M |
| Q1 2025 | — | — | — | 28.51% | — |
| Q2 2025 | — | — | — | 27.96% | — |
| Q3 2025 | — | — | — | 27.26% | — |
| Q4 2025 | — | — | — | 26.60% | — |
| Q1 2026 | — | — | — | 26.28% | — |
| Q2 2026 | — | — | — | 25.86% | — |
Dearborn Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dearborn 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 Dearborn Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29874) · FFIEC NIC profile (RSSD 1005075)