First Federal 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 16.4% in Q2 2026, from -$56.7M to -$47.4M. It was the largest change from Q1 2026 among the key lines here. Within Florida, First Federal Bank is 13th of 56 on CET1 ratio, 20.56% as of Q2 2026, above the middle of the field. Against a median of 13.48% for banks in the $1B-10B asset tier, First Federal Bank reported 20.56% on CET1 ratio in Q2 2026, 7.08 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.56% |
| Tier 1 risk-based capital ratio | 20.56% |
| Total risk-based capital ratio | 21.06% |
| Tier 1 leverage ratio | 10.83% |
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 | $484.2M |
| Tier 1 capital | $484.2M |
| Total risk-based capital | $495.9M |
| Total equity capital | $465.8M |
| Risk-weighted assets | $2.35B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.38% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.35% |
| Internal capital growth rate | 11.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $126.5M |
| Retained earnings | $386.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$47.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.13% | 18.13% | 18.71% | 9.09% | $2.00B |
| Q4 2023 | 18.47% | 18.47% | 19.02% | 9.55% | $2.07B |
| Q1 2024 | 18.23% | 18.23% | 18.63% | 9.38% | $2.10B |
| Q2 2024 | 17.16% | 17.16% | 17.51% | 9.36% | $2.32B |
| Q3 2024 | 20.13% | 20.13% | 20.53% | 9.98% | $2.10B |
| Q4 2024 | 20.16% | 20.16% | 20.57% | 10.50% | $2.11B |
| Q1 2025 | 21.27% | 21.27% | 21.70% | 10.90% | $2.07B |
| Q2 2025 | 20.38% | 20.38% | 20.78% | 10.77% | $2.24B |
| Q3 2025 | 21.95% | 21.95% | 22.39% | 11.25% | $2.15B |
| Q4 2025 | 20.66% | 20.66% | 21.15% | 10.71% | $2.24B |
| Q1 2026 | 21.03% | 21.03% | 21.55% | 10.94% | $2.24B |
| Q2 2026 | 20.56% | 20.56% | 21.06% | 10.83% | $2.35B |
First Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal 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 First Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31313) · FFIEC NIC profile (RSSD 384278)