Federated 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets climbed 7.6% in Q2 2026, from $90.4M to $97.3M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Federated Bank is 161st of 198 on CET1 ratio, 11.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Federated Bank sits 3.29 points lower, at 11.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.79% |
| Tier 1 risk-based capital ratio | 11.79% |
| Total risk-based capital ratio | 12.56% |
| Tier 1 leverage ratio | 8.88% |
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 | $11.5M |
| Tier 1 capital | $11.5M |
| Total risk-based capital | $12.2M |
| Total equity capital | $19.6M |
| Risk-weighted assets | $97.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.99% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 14.28% |
| Internal capital growth rate | 3.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $18.8M |
| Retained earnings | $539K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $164K |
| 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 | 16.59% | 16.59% | 17.78% | 8.90% | $60.9M |
| Q4 2023 | 16.16% | 16.16% | 17.29% | 9.07% | $63.4M |
| Q1 2024 | 16.04% | 16.04% | 17.19% | 8.67% | $62.9M |
| Q2 2024 | 16.34% | 16.34% | 17.25% | 8.84% | $62.8M |
| Q3 2024 | 16.12% | 16.12% | 17.06% | 8.86% | $64.1M |
| Q4 2024 | 15.50% | 15.50% | 16.39% | 9.18% | $67.1M |
| Q1 2025 | 16.71% | 16.71% | 17.70% | 8.92% | $63.3M |
| Q2 2025 | 13.87% | 13.87% | 14.81% | 8.63% | $68.5M |
| Q3 2025 | 12.26% | 12.26% | 13.09% | 8.46% | $80.9M |
| Q4 2025 | 12.41% | 12.41% | 13.24% | 9.06% | $89.3M |
| Q1 2026 | 12.44% | 12.44% | 13.28% | 8.87% | $90.4M |
| Q2 2026 | 11.79% | 11.79% | 12.56% | 8.88% | $97.3M |
Federated Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Federated 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 Federated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10464) · FFIEC NIC profile (RSSD 640143)