Finance Factors, Limited: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.6% lower than in Q1 2026, at -$2.6M. Among 6 Hawaii banks, Finance Factors, Limited sits 2nd from the top on CET1 ratio, 15.64% as of Q2 2026. Finance Factors, Limited reported 15.64% on CET1 ratio for Q2 2026, 0.57 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.64% |
| Tier 1 risk-based capital ratio | 15.64% |
| Total risk-based capital ratio | 16.90% |
| Tier 1 leverage ratio | 12.02% |
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 | $82.1M |
| Tier 1 capital | $82.1M |
| Total risk-based capital | $88.7M |
| Total equity capital | $80.0M |
| Risk-weighted assets | $524.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.70% |
| Tangible equity to tangible assets | 11.70% |
| Equity capital to average assets | 11.71% |
| Internal capital growth rate | 15.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $891K |
| Common stock surplus | $11.0M |
| Retained earnings | $71.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 15.11% | 15.11% | 16.38% | 11.49% | $490.9M |
| Q4 2023 | 14.95% | 14.95% | 16.21% | 11.39% | $499.3M |
| Q1 2024 | 15.27% | 15.27% | 16.54% | 11.67% | $501.8M |
| Q2 2024 | 15.39% | 15.39% | 16.65% | 11.74% | $499.7M |
| Q3 2024 | 15.03% | 15.03% | 16.29% | 11.45% | $515.9M |
| Q4 2024 | 14.61% | 14.61% | 15.87% | 11.08% | $525.7M |
| Q1 2025 | 14.36% | 14.36% | 15.62% | 10.82% | $532.0M |
| Q2 2025 | 14.40% | 14.40% | 15.66% | 10.84% | $538.2M |
| Q3 2025 | 14.59% | 14.59% | 15.85% | 11.11% | $539.6M |
| Q4 2025 | 14.92% | 14.92% | 16.19% | 11.48% | $535.4M |
| Q1 2026 | 15.54% | 15.54% | 16.81% | 11.69% | $509.3M |
| Q2 2026 | 15.64% | 15.64% | 16.90% | 12.02% | $524.7M |
Finance Factors, Limited regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Finance Factors, Limited, 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 Finance Factors, Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25158) · FFIEC NIC profile (RSSD 827560)