First Federal Bank of Ohio: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 14.42%. Among 84 Ohio banks, First Federal Bank of Ohio sits 5th from the top on CET1 ratio, 32.76% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, First Federal Bank of Ohio reported 32.76% on CET1 ratio in Q2 2026, 17.69 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.76% |
| Tier 1 risk-based capital ratio | 32.76% |
| Total risk-based capital ratio | 33.24% |
| Tier 1 leverage ratio | 13.68% |
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 | $40.1M |
| Tier 1 capital | $40.1M |
| Total risk-based capital | $40.7M |
| Total equity capital | $40.8M |
| Risk-weighted assets | $122.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.42% |
| Tangible equity to tangible assets | 14.42% |
| Equity capital to average assets | 13.91% |
| Internal capital growth rate | 2.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $40.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $680K |
| 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 | 31.69% | 31.69% | 32.38% | 13.61% | $122.5M |
| Q4 2023 | 31.61% | 31.61% | 32.30% | 13.64% | $123.7M |
| Q1 2024 | 31.65% | 31.65% | 32.34% | 13.76% | $123.7M |
| Q2 2024 | 32.12% | 32.12% | 32.81% | 13.92% | $122.2M |
| Q3 2024 | 29.18% | 29.18% | 30.02% | 14.02% | $134.8M |
| Q4 2024 | 32.08% | 32.08% | 33.05% | 13.56% | $123.0M |
| Q1 2025 | 32.09% | 32.09% | 32.93% | 13.31% | $123.0M |
| Q2 2025 | 31.99% | 31.99% | 32.48% | 13.20% | $122.2M |
| Q3 2025 | 32.24% | 32.24% | 32.70% | 13.58% | $122.2M |
| Q4 2025 | 32.47% | 32.47% | 32.94% | 13.59% | $122.0M |
| Q1 2026 | 32.64% | 32.64% | 33.12% | 13.66% | $122.0M |
| Q2 2026 | 32.76% | 32.76% | 33.24% | 13.68% | $122.5M |
First Federal Bank of Ohio regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Ohio, 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 Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27643) · FFIEC NIC profile (RSSD 207470)