Fayette Savings Bank, SSB: 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 Common stock surplus: 10.7% higher than in Q1 2026, at $20.7M.
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 | 10.95% |
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 | $59.1M |
| Tier 1 capital | $59.1M |
| Total risk-based capital | — |
| Total equity capital | $54.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 10.14% |
| Internal capital growth rate | 16.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $20.7M |
| Retained earnings | $37.3M |
| 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 | 13.81% | 13.81% | 14.85% | 9.26% | $276.6M |
| Q4 2023 | 13.19% | 13.19% | 14.23% | 9.09% | $293.6M |
| Q1 2024 | 14.98% | 14.98% | 16.06% | 9.97% | $295.4M |
| Q2 2024 | 15.26% | 15.26% | 16.35% | 9.96% | $295.8M |
| Q3 2024 | 15.42% | 15.42% | 16.52% | 10.18% | $300.6M |
| Q4 2024 | 16.00% | 16.00% | 17.18% | 10.40% | $293.1M |
| Q1 2025 | 16.56% | 16.56% | 17.73% | 10.65% | $294.8M |
| Q2 2025 | 16.66% | 16.66% | 17.81% | 10.94% | $303.0M |
| Q3 2025 | 16.75% | 16.75% | 17.88% | 11.21% | $312.1M |
| Q4 2025 | — | — | — | 10.81% | — |
| Q1 2026 | — | — | — | 10.74% | — |
| Q2 2026 | — | — | — | 10.95% | — |
Fayette Savings Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fayette Savings Bank, SSB, 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 Fayette Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31936) · FFIEC NIC profile (RSSD 675079)