First Federal Bank & Trust: 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 Accumulated other comprehensive income, which fell 6.9% to -$4.5M. First Federal Bank & Trust has the 3rd lowest CET1 ratio of the 15 banks headquartered in Wyoming, at 13.76% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Federal Bank & Trust sits 1.31 points lower, at 13.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 15.01% |
| Tier 1 leverage ratio | 11.05% |
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 | $70.8M |
| Tier 1 capital | $70.8M |
| Total risk-based capital | $77.2M |
| Total equity capital | $66.3M |
| Risk-weighted assets | $514.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.68% |
| Tangible equity to tangible assets | 10.68% |
| Equity capital to average assets | 10.35% |
| Internal capital growth rate | 7.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $70.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 13.84% | 13.84% | 15.09% | 11.31% | $468.0M |
| Q4 2023 | 13.39% | 13.39% | 14.64% | 10.74% | $484.2M |
| Q1 2024 | 13.43% | 13.43% | 14.68% | 10.17% | $486.3M |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 10.48% | $501.1M |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 10.63% | $502.1M |
| Q4 2024 | 13.29% | 13.29% | 14.54% | 10.55% | $496.8M |
| Q1 2025 | 13.18% | 13.18% | 14.43% | 10.81% | $505.8M |
| Q2 2025 | 13.30% | 13.30% | 14.55% | 10.91% | $506.5M |
| Q3 2025 | 13.44% | 13.44% | 14.69% | 11.05% | $507.1M |
| Q4 2025 | 13.37% | 13.37% | 14.62% | 11.12% | $513.8M |
| Q1 2026 | 13.68% | 13.68% | 14.93% | 11.07% | $508.8M |
| Q2 2026 | 13.76% | 13.76% | 15.01% | 11.05% | $514.7M |
First Federal Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29537) · FFIEC NIC profile (RSSD 387671)