First Federal Savings and Loan Association: 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 Equity capital to total assets, which rose 0.42 percentage points to 10.53%. On CET1 ratio, First Federal Savings and Loan Association ranks 3rd highest among the 15 banks headquartered in West Virginia, at 23.15% (Q2 2026). First Federal Savings and Loan Association reported 23.15% on CET1 ratio for Q2 2026, 3.61 points above the 19.54% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.15% |
| Tier 1 risk-based capital ratio | 23.15% |
| Total risk-based capital ratio | 24.10% |
| Tier 1 leverage ratio | 10.43% |
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 | $2.8M |
| Tier 1 capital | $2.8M |
| Total risk-based capital | $2.9M |
| Total equity capital | $2.8M |
| Risk-weighted assets | $12.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.53% |
| Tangible equity to tangible assets | 10.53% |
| Equity capital to average assets | 10.44% |
| Internal capital growth rate | 3.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 23.15% | 23.15% | 24.17% | 11.16% | $11.6M |
| Q4 2023 | 23.49% | 23.49% | 24.52% | 10.97% | $11.4M |
| Q1 2024 | 23.01% | 23.01% | 24.02% | 10.85% | $11.6M |
| Q2 2024 | 22.56% | 22.56% | 23.55% | 10.83% | $11.9M |
| Q3 2024 | 22.72% | 22.72% | 23.72% | 10.79% | $11.8M |
| Q4 2024 | 23.05% | 23.05% | 24.03% | 10.78% | $11.6M |
| Q1 2025 | 23.01% | 23.01% | 23.99% | 10.59% | $11.6M |
| Q2 2025 | 23.05% | 23.05% | 24.02% | 10.51% | $11.7M |
| Q3 2025 | 22.59% | 22.59% | 23.53% | 10.42% | $12.0M |
| Q4 2025 | 22.51% | 22.51% | 23.45% | 10.21% | $12.1M |
| Q1 2026 | 22.89% | 22.89% | 23.83% | 10.12% | $12.0M |
| Q2 2026 | 23.15% | 23.15% | 24.10% | 10.43% | $12.0M |
First Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29490) · FFIEC NIC profile (RSSD 441470)