First Federal Community Bank, SSB: 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 0.57 percentage points from Q1 2026 to Q2 2026, ending at 12.97% against 12.40%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.10% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $79.6M |
| Tier 1 capital | $79.6M |
| Total risk-based capital | — |
| Total equity capital | $78.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
| Equity capital to average assets | 12.88% |
| Internal capital growth rate | 9.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $79.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 16.25% | 16.25% | 17.50% | 11.90% | $403.1M |
| Q4 2023 | 16.22% | 16.22% | 17.48% | 11.84% | $408.0M |
| Q1 2024 | 16.41% | 16.41% | 17.66% | 12.19% | $409.7M |
| Q2 2024 | 16.80% | 16.80% | 18.05% | 12.33% | $407.3M |
| Q3 2024 | 17.31% | 17.31% | 18.56% | 12.46% | $402.8M |
| Q4 2024 | 17.12% | 17.12% | 18.37% | 12.40% | $414.1M |
| Q1 2025 | 17.26% | 17.26% | 18.52% | 12.66% | $417.5M |
| Q2 2025 | 17.38% | 17.38% | 18.63% | 12.62% | $423.5M |
| Q3 2025 | 17.68% | 17.68% | 18.93% | 12.83% | $425.5M |
| Q4 2025 | 17.99% | 17.99% | 19.24% | 12.79% | $426.4M |
| Q1 2026 | 19.02% | 19.02% | 20.28% | 12.67% | $409.1M |
| Q2 2026 | — | — | — | 13.10% | — |
First Federal Community Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank, SSB, 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, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27678) · FFIEC NIC profile (RSSD 898579)