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 standout move of Q2 2026 was in Equity capital to total assets: 1.51 percentage points higher than in Q1 2026, at 22.39%.
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 | 21.58% |
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 | $18.2M |
| Tier 1 capital | $18.2M |
| Total risk-based capital | — |
| Total equity capital | $18.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.39% |
| Tangible equity to tangible assets | 22.39% |
| Equity capital to average assets | 21.53% |
| Internal capital growth rate | 0.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.1M |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$43K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 20.50% | 20.28% | 20.28% |
| Q4 2023 | 20.67% | 20.47% | 20.47% |
| Q1 2024 | 20.43% | 20.39% | 20.39% |
| Q2 2024 | 20.44% | 20.08% | 20.08% |
| Q3 2024 | 20.47% | 20.50% | 20.50% |
| Q4 2024 | 20.77% | 20.68% | 20.68% |
| Q1 2025 | 20.49% | 20.51% | 20.51% |
| Q2 2025 | 20.74% | 20.82% | 20.82% |
| Q3 2025 | 21.41% | 21.34% | 21.34% |
| Q4 2025 | 21.44% | 20.84% | 20.84% |
| Q1 2026 | 21.17% | 20.88% | 20.88% |
| Q2 2026 | 21.58% | 22.39% | 22.39% |
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 31197) · FFIEC NIC profile (RSSD 831875)