First Federal Savings and Loan Association: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 21.58% +12.58 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $18.2M | 18,247 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $84.5M | 84,550 | RCOAA224 |
| Recomputed ratio | 21.58% | numerator / denominator | |
| Filed ratio | 21.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +12.58 pp | $10.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,098 | 1,098 | 1,098 | 1,098 | 1,098 | 1,098 | RCOAP742 |
| Retained earnings | 17,149 | 17,139 | 16,963 | 16,892 | 16,823 | 16,772 | RCOAKW00 |
| Accumulated other comprehensive income | (43) | (37) | (34) | (39) | (61) | (83) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,204 | 18,200 | 18,027 | 17,951 | 17,860 | 17,787 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 43 | 37 | 34 | 38 | 61 | 83 | P859 - P840 |
| Common equity Tier 1 capital | 18,247 | 18,237 | 18,061 | 17,989 | 17,921 | 17,870 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,247 | 18,237 | 18,061 | 17,989 | 17,921 | 17,870 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 84,550 | 86,161 | 84,228 | 84,041 | 86,394 | 87,221 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 21.58% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 21.17% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 21.44% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 21.41% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 20.74% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 20.49% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 20.77% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 20.47% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 20.44% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 20.43% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 20.67% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 20.50% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Federal Savings and Loan Association (this bank) | CBLR | NA | NA | NA | 21.58% | |
| The Atlanta National Bank | $81.3M | Risk-based | 20.54% | 20.54% | 21.10% | 11.59% |
| Cerescobank | $81.3M | CBLR | NA | NA | NA | 13.85% |
| Clarkson Bank | $81.4M | CBLR | NA | NA | NA | 11.04% |
| The Bank of Commerce | $81.5M | CBLR | NA | NA | NA | 10.63% |
| First Security Bank of Deer Lodge | $81.1M | CBLR | NA | NA | NA | 10.00% |
| Bank of Bourbonnais | $81.6M | Risk-based | 19.20% | 19.20% | 20.46% | 11.85% |
| Farmers State Bank of Canton | $81.6M | Risk-based | 15.42% | 15.42% | 15.96% | 8.73% |
| Atascosa Bank | $81.7M | CBLR | NA | NA | NA | 15.25% |
| State Bank of Cold Spring | $81.7M | Risk-based | 19.59% | 19.59% | 20.40% | 10.06% |
| American State Bank of Grygla | $81.8M | CBLR | NA | NA | NA | 10.83% |
| Peer 25th percentile | 18.26% | 18.26% | 19.29% | 10.20% | ||
| Peer median | 19.40% | 19.40% | 20.43% | 10.94% | ||
| Peer 75th percentile | 19.83% | 19.83% | 20.62% | 11.79% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/831875/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.