FFB 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 climbed 12.6% in Q2 2026, from -$14.5M to -$12.7M. It was the largest change from Q1 2026 among the key lines here. Within California, FFB Bank is 34th of 74 on CET1 ratio, 15.57% 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. FFB Bank sits 2.10 points higher, at 15.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.57% |
| Tier 1 risk-based capital ratio | 15.57% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 12.20% |
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 | $199.3M |
| Tier 1 capital | $199.3M |
| Total risk-based capital | $215.4M |
| Total equity capital | $186.7M |
| Risk-weighted assets | $1.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
| Equity capital to average assets | 11.42% |
| Internal capital growth rate | -2.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $27.9M |
| Common stock surplus | $48.7M |
| Retained earnings | $122.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.7M |
| 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 | 18.33% | 18.33% | 19.39% | 13.49% | $970.8M |
| Q4 2023 | 18.72% | 18.72% | 19.76% | 13.58% | $994.3M |
| Q1 2024 | 19.71% | 19.71% | 20.80% | 14.27% | $989.4M |
| Q2 2024 | 19.67% | 19.67% | 20.74% | 14.30% | $1.04B |
| Q3 2024 | 19.97% | 19.97% | 21.09% | 14.35% | $1.05B |
| Q4 2024 | 19.75% | 19.75% | 20.84% | 14.33% | $1.12B |
| Q1 2025 | 19.93% | 19.93% | 21.09% | 14.66% | $1.14B |
| Q2 2025 | 19.36% | 19.36% | 20.61% | 14.41% | $1.15B |
| Q3 2025 | 19.69% | 19.69% | 20.94% | 15.33% | $1.16B |
| Q4 2025 | 19.29% | 19.29% | 20.54% | 15.04% | $1.21B |
| Q1 2026 | 16.02% | 16.02% | 17.27% | 12.73% | $1.25B |
| Q2 2026 | 15.57% | 15.57% | 16.83% | 12.20% | $1.28B |
FFB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FFB 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 FFB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58090) · FFIEC NIC profile (RSSD 3398623)