Fifth District 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%.
Accumulated other comprehensive income fell 2.9% from Q1 2026 to Q2 2026, ending at -$4.7M against -$4.6M. It was the largest change among the key lines on this page. Fifth District Savings Bank ranks 6th of 46 Louisiana banks on CET1 ratio, in the upper half at 38.90% (Q2 2026). Fifth District Savings Bank's CET1 ratio of 38.90% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 23.83 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 38.90% |
| Tier 1 risk-based capital ratio | 38.90% |
| Total risk-based capital ratio | 39.48% |
| Tier 1 leverage ratio | 21.41% |
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 | $115.9M |
| Tier 1 capital | $115.9M |
| Total risk-based capital | $117.6M |
| Total equity capital | $111.2M |
| Risk-weighted assets | $297.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.91% |
| Tangible equity to tangible assets | 20.91% |
| Equity capital to average assets | 20.52% |
| Internal capital growth rate | 1.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $26.1M |
| Retained earnings | $89.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| 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 | 34.20% | 34.20% | 35.45% | 17.37% | $247.4M |
| Q4 2023 | 34.15% | 34.15% | 35.33% | 17.41% | $248.2M |
| Q1 2024 | 33.95% | 33.95% | 35.09% | 17.04% | $246.4M |
| Q2 2024 | 33.54% | 33.54% | 34.27% | 16.91% | $251.4M |
| Q3 2024 | 43.70% | 43.70% | 44.38% | 20.75% | $253.1M |
| Q4 2024 | 43.24% | 43.24% | 43.91% | 20.78% | $256.2M |
| Q1 2025 | 41.88% | 41.88% | 42.53% | 20.71% | $264.7M |
| Q2 2025 | 41.68% | 41.68% | 42.31% | 21.00% | $273.5M |
| Q3 2025 | 41.47% | 41.47% | 42.09% | 20.94% | $275.9M |
| Q4 2025 | 41.17% | 41.17% | 41.79% | 21.07% | $279.4M |
| Q1 2026 | 39.39% | 39.39% | 39.97% | 21.41% | $293.1M |
| Q2 2026 | 38.90% | 38.90% | 39.48% | 21.41% | $297.9M |
Fifth District Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fifth District 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 Fifth District Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27697) · FFIEC NIC profile (RSSD 837970)