Federation 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%.
Accumulated other comprehensive income dropped 12.8% in Q2 2026, from -$2.2M to -$2.4M. It was the largest change from Q1 2026 among the key lines here.
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 | 10.49% |
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 | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | — |
| Total equity capital | $14.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.38% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 6.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $7.1M |
| Retained earnings | $9.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.10% | 5.98% | 5.26% |
| Q4 2023 | 9.10% | 7.16% | 6.48% |
| Q1 2024 | 9.72% | 7.21% | 6.50% |
| Q2 2024 | 9.84% | 7.73% | 7.01% |
| Q3 2024 | 9.86% | 8.23% | 7.58% |
| Q4 2024 | 9.59% | 7.69% | 6.99% |
| Q1 2025 | 9.66% | 7.86% | 7.20% |
| Q2 2025 | 9.80% | 8.22% | 7.54% |
| Q3 2025 | 10.07% | 9.33% | 8.66% |
| Q4 2025 | 10.01% | 9.43% | 8.78% |
| Q1 2026 | 10.52% | 9.69% | 9.03% |
| Q2 2026 | 10.49% | 9.38% | 8.74% |
Federation Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Federation 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 Federation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14352) · FFIEC NIC profile (RSSD 764142)