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 rose 4.9% from Q1 2026 to Q2 2026, ending at -$7.9M against -$8.3M. It was the largest change among the key lines on this page. First Federal Bank ranks 11th of 26 North Carolina banks on CET1 ratio, in the upper half at 15.47% (Q2 2026). At 15.47%, First Federal Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.59% |
| Tier 1 leverage ratio | 9.25% |
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 | $25.9M |
| Tier 1 capital | $25.9M |
| Total risk-based capital | $27.7M |
| Total equity capital | $18.7M |
| Risk-weighted assets | $167.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.77% |
| Tangible equity to tangible assets | 6.77% |
| Equity capital to average assets | 6.65% |
| Internal capital growth rate | 5.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $251K |
| Common stock surplus | $2.7M |
| Retained earnings | $23.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 16.16% | 16.16% | 17.41% | 9.26% | $149.9M |
| Q4 2023 | 15.98% | 15.98% | 17.23% | 9.25% | $151.8M |
| Q1 2024 | 16.02% | 16.02% | 17.27% | 9.27% | $151.7M |
| Q2 2024 | 16.30% | 16.30% | 17.54% | 9.35% | $151.0M |
| Q3 2024 | 16.53% | 16.53% | 17.78% | 9.40% | $149.0M |
| Q4 2024 | 15.87% | 15.87% | 17.07% | 9.45% | $155.8M |
| Q1 2025 | 15.99% | 15.99% | 17.19% | 9.41% | $155.3M |
| Q2 2025 | 15.91% | 15.91% | 17.16% | 9.25% | $157.1M |
| Q3 2025 | 15.59% | 15.59% | 16.84% | 9.35% | $161.9M |
| Q4 2025 | 15.65% | 15.65% | 16.69% | 9.26% | $162.9M |
| Q1 2026 | 15.34% | 15.34% | 16.46% | 9.16% | $167.0M |
| Q2 2026 | 15.47% | 15.47% | 16.59% | 9.25% | $167.3M |
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 31077) · FFIEC NIC profile (RSSD 943974)