First Federal Bank of Louisiana: 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%.
Equity capital to total assets rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 10.94% against 10.63%. It was the largest change among the key lines on this page. Within Louisiana, First Federal Bank of Louisiana is 17th of 46 on CET1 ratio, 21.41% 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 of Louisiana reported 21.41% on CET1 ratio in Q2 2026, 7.94 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.41% |
| Tier 1 risk-based capital ratio | 21.41% |
| Total risk-based capital ratio | 22.47% |
| Tier 1 leverage ratio | 11.95% |
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 | $140.1M |
| Tier 1 capital | $140.1M |
| Total risk-based capital | $146.9M |
| Total equity capital | $125.6M |
| Risk-weighted assets | $654.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.79% |
| Equity capital to average assets | 10.70% |
| Internal capital growth rate | 2.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $141.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.3M |
| 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 | 20.77% | 20.77% | 21.68% | 11.41% | $625.9M |
| Q4 2023 | 20.53% | 20.53% | 21.42% | 11.62% | $638.8M |
| Q1 2024 | 20.21% | 20.21% | 21.11% | 11.66% | $652.6M |
| Q2 2024 | 20.37% | 20.37% | 21.25% | 11.73% | $652.2M |
| Q3 2024 | 20.21% | 20.21% | 21.07% | 11.95% | $663.2M |
| Q4 2024 | 20.34% | 20.34% | 21.24% | 11.81% | $662.9M |
| Q1 2025 | 20.57% | 20.57% | 21.45% | 11.76% | $660.2M |
| Q2 2025 | 20.30% | 20.30% | 21.39% | 11.61% | $669.1M |
| Q3 2025 | 20.74% | 20.74% | 21.81% | 11.98% | $661.2M |
| Q4 2025 | 21.09% | 21.09% | 22.19% | 11.88% | $655.2M |
| Q1 2026 | 21.41% | 21.41% | 22.30% | 11.95% | $650.6M |
| Q2 2026 | 21.41% | 21.41% | 22.47% | 11.95% | $654.0M |
First Federal Bank of Louisiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Louisiana, 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 of Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30441) · FFIEC NIC profile (RSSD 517674)