First Federal Bank, a FSB: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.1% to $6.0M. Within Alabama, First Federal Bank, a FSB is 25th of 36 on CET1 ratio, 12.44% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Federal Bank, a FSB sits 2.63 points lower, at 12.44% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.44% |
| Tier 1 risk-based capital ratio | 12.44% |
| Total risk-based capital ratio | 13.66% |
| Tier 1 leverage ratio | 7.82% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | $15.3M |
| Total equity capital | $13.9M |
| Risk-weighted assets | $111.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 7.82% |
| Internal capital growth rate | 8.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3K |
| Common stock surplus | $7.9M |
| Retained earnings | $6.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.63% | 13.63% | 14.84% | 8.73% | $107.6M |
| Q4 2023 | 12.37% | 12.37% | 13.62% | 8.07% | $108.8M |
| Q1 2024 | 13.06% | 13.06% | 14.31% | 7.97% | $104.5M |
| Q2 2024 | 11.79% | 11.79% | 12.98% | 7.75% | $115.3M |
| Q3 2024 | 11.82% | 11.82% | 13.03% | 7.40% | $113.6M |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 7.45% | $101.6M |
| Q1 2025 | 12.11% | 12.11% | 13.36% | 7.88% | $106.9M |
| Q2 2025 | 11.81% | 11.81% | 13.05% | 7.69% | $111.0M |
| Q3 2025 | 12.40% | 12.40% | 13.65% | 7.89% | $109.0M |
| Q4 2025 | 12.45% | 12.45% | 13.70% | 7.98% | $107.2M |
| Q1 2026 | 12.52% | 12.52% | 13.77% | 8.19% | $108.6M |
| Q2 2026 | 12.44% | 12.44% | 13.66% | 7.82% | $111.7M |
First Federal Bank, a FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank, a FSB, 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, a FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31127) · FFIEC NIC profile (RSSD 814074)