The 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%.
Equity capital to average assets climbed 0.85 percentage points in Q2 2026, from 14.96% to 15.81%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Federal Savings Bank is 47th of 198 on CET1 ratio, 19.97% 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. The Federal Savings Bank sits 6.49 points higher, at 19.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.97% |
| Tier 1 risk-based capital ratio | 19.97% |
| Total risk-based capital ratio | 20.68% |
| Tier 1 leverage ratio | 15.86% |
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 | $165.6M |
| Tier 1 capital | $165.6M |
| Total risk-based capital | $171.5M |
| Total equity capital | $165.1M |
| Risk-weighted assets | $829.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.28% |
| Tangible equity to tangible assets | 15.25% |
| Equity capital to average assets | 15.81% |
| Internal capital growth rate | 1.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $80K |
| Common stock surplus | $10.3M |
| Retained earnings | $155.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$699K |
| 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 | 20.47% | 20.47% | 21.59% | 14.04% | $728.9M |
| Q4 2023 | 19.49% | 19.49% | 20.63% | 13.50% | $768.4M |
| Q1 2024 | 18.93% | 18.93% | 20.06% | 13.07% | $776.4M |
| Q2 2024 | 16.82% | 16.82% | 17.87% | 12.78% | $876.5M |
| Q3 2024 | 17.33% | 17.33% | 18.30% | 12.96% | $875.3M |
| Q4 2024 | 17.84% | 17.84% | 18.76% | 13.16% | $878.5M |
| Q1 2025 | 17.07% | 17.07% | 17.93% | 13.27% | $918.5M |
| Q2 2025 | 17.58% | 17.58% | 18.44% | 13.95% | $915.9M |
| Q3 2025 | 17.91% | 17.91% | 18.60% | 14.17% | $916.1M |
| Q4 2025 | 19.36% | 19.36% | 20.17% | 14.44% | $856.3M |
| Q1 2026 | 20.14% | 20.14% | 20.89% | 15.01% | $818.2M |
| Q2 2026 | 19.97% | 19.97% | 20.68% | 15.86% | $829.2M |
The Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35518) · FFIEC NIC profile (RSSD 2806877)