First Federal Community Bank, N.A.: 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%.
Total equity capital rose 4.7% from Q1 2026 to Q2 2026, ending at $87.1M against $83.2M. It was the largest change among the key lines on this page. Within Ohio, First Federal Community Bank, N.A. is 59th of 84 on CET1 ratio, 12.74% 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 Community Bank, N.A. sits 2.33 points lower, at 12.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.74% |
| Tier 1 risk-based capital ratio | 12.74% |
| Total risk-based capital ratio | 13.82% |
| Tier 1 leverage ratio | 9.40% |
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 | $90.8M |
| Tier 1 capital | $90.8M |
| Total risk-based capital | $98.5M |
| Total equity capital | $87.1M |
| Risk-weighted assets | $712.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 17.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $7.7M |
| Retained earnings | $83.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 11.83% | 11.83% | 12.92% | 8.70% | $540.6M |
| Q4 2023 | 12.15% | 12.15% | 13.24% | 8.72% | $543.0M |
| Q1 2024 | 12.10% | 12.10% | 13.17% | 8.96% | $565.7M |
| Q2 2024 | 12.42% | 12.42% | 13.48% | 8.92% | $568.5M |
| Q3 2024 | 12.38% | 12.38% | 13.45% | 9.07% | $585.8M |
| Q4 2024 | 12.68% | 12.68% | 13.75% | 8.90% | $589.5M |
| Q1 2025 | 12.59% | 12.59% | 13.65% | 9.15% | $610.6M |
| Q2 2025 | 12.45% | 12.45% | 13.52% | 9.37% | $633.5M |
| Q3 2025 | 12.34% | 12.34% | 13.40% | 9.54% | $659.8M |
| Q4 2025 | 12.43% | 12.43% | 13.50% | 9.52% | $677.4M |
| Q1 2026 | 12.38% | 12.38% | 13.45% | 9.65% | $703.5M |
| Q2 2026 | 12.74% | 12.74% | 13.82% | 9.40% | $712.6M |
First Federal Community Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank, N.A., 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 Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29787) · FFIEC NIC profile (RSSD 540775)