First Federal Bank of Louisiana: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 14.47% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 14.47% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 21.41% +14.91 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $140.1M | 140,059 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $654.0M | 654,046 | RCOAA223 |
| Recomputed ratio | 21.41% | numerator / denominator | |
| Filed ratio | 21.41% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +14.91 pp | $97.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 21.41% +13.41 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $140.1M | 140,059 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $654.0M | 654,046 | RCOAA223 |
| Recomputed ratio | 21.41% | numerator / denominator | |
| Filed ratio | 21.41% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +13.41 pp | $87.7M | capital that could be lost first |
Total risk-based capital ratio 22.47% +12.47 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $146.9M | 146,946 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $654.0M | 654,046 | RCOAA223 |
| Recomputed ratio | 22.47% | numerator / denominator | |
| Filed ratio | 22.47% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +12.47 pp | $81.5M | capital that could be lost first |
Tier 1 leverage ratio 11.95% +6.95 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $140.1M | 140,059 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.17B | 1,171,723 | RCOAA224 |
| Recomputed ratio | 11.95% | numerator / denominator | |
| Filed ratio | 11.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.95 pp | $81.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 141,942 | 141,189 | 140,084 | 139,050 | 137,732 | 137,688 | RCOAKW00 |
| Accumulated other comprehensive income | (16,324) | (16,231) | (15,131) | (15,942) | (19,709) | (19,520) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 125,618 | 124,958 | 124,953 | 123,108 | 118,023 | 118,168 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,441 | 14,348 | 13,248 | 14,059 | 17,827 | 17,637 | P859 - P840 |
| Common equity Tier 1 capital | 140,059 | 139,306 | 138,201 | 137,167 | 135,850 | 135,805 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 140,059 | 139,306 | 138,201 | 137,167 | 135,850 | 135,805 | RCOA8274 |
| Tier 2 capital | 6,887 | 5,802 | 7,210 | 7,019 | 7,267 | 5,814 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,887 | 5,802 | 7,210 | 7,019 | 7,267 | 5,814 | RCOA5310 |
| Total capital | 146,946 | 145,108 | 145,411 | 144,186 | 143,117 | 141,619 | RCOA3792 |
| Total risk-weighted assets | 654,046 | 650,632 | 655,200 | 661,250 | 669,061 | 660,241 | RCOAA223 |
| Average total assets for the leverage ratio | 1,171,723 | 1,165,838 | 1,163,728 | 1,145,114 | 1,170,094 | 1,154,653 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $106.6M | $958K | 0.90% | 0.15% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $347.5M | $65.0M | 18.72% | 9.95% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $245.5M | $122.4M | 49.86% | 18.72% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $890K | $1.3M | 150.00% | 0.20% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $178K | $178K | 100.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $394.1M | $378.2M | 95.96% | 57.82% | RC-R Part II, item 4.d, 5.d |
| All other assets | $69.4M | $64.1M | 92.40% | 9.81% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.0M | $5.4M | 77.53% | 0.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $16.4M | NA | 2.50% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $637.7M | ties to item 31 ($637.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $654.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $654.0M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 21.41% | 21.41% | 22.47% | 11.95% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 21.41% | 21.41% | 22.30% | 11.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 21.09% | 21.09% | 22.19% | 11.88% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 20.74% | 20.74% | 21.81% | 11.98% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 20.30% | 20.30% | 21.39% | 11.61% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 20.57% | 20.57% | 21.45% | 11.76% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 20.34% | 20.34% | 21.24% | 11.81% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 20.21% | 20.21% | 21.07% | 11.95% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 20.37% | 20.37% | 21.25% | 11.73% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 20.21% | 20.21% | 21.11% | 11.66% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 20.53% | 20.53% | 21.42% | 11.62% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 20.77% | 20.77% | 21.68% | 11.41% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Federal Bank of Louisiana (this bank) | Risk-based | 21.41% | 21.41% | 22.47% | 11.95% | |
| Bank of Washington | $1.15B | CBLR | NA | NA | NA | 12.47% |
| First US Bank | $1.15B | Risk-based | 10.85% | 10.85% | 12.02% | 9.16% |
| Edmonton State Bank | $1.15B | CBLR | NA | NA | NA | 11.47% |
| Sturdy Savings Bank | $1.14B | Risk-based | 16.31% | 16.31% | 16.80% | 9.68% |
| Trustar Bank | $1.14B | Risk-based | 11.34% | 11.34% | 12.44% | 9.38% |
| First Arkansas Bank and Trust | $1.14B | CBLR | NA | NA | NA | 10.74% |
| The Bank of Fayette County | $1.14B | CBLR | NA | NA | NA | 9.59% |
| First National Bank | $1.14B | Risk-based | 13.04% | 13.04% | 13.76% | 8.84% |
| Peer 25th percentile | 11.22% | 11.22% | 12.33% | 9.33% | ||
| Peer median | 12.19% | 12.19% | 13.10% | 9.63% | ||
| Peer 75th percentile | 13.86% | 13.86% | 14.52% | 10.92% | ||
| This bank's percentile | 100 | 100 | 100 | 88 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/517674/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.