First Federal Savings and Loan Association of Bath: 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%.
In Q2 2026, Equity capital to average assets edged up by 0.12 percentage points, from 15.17% to 15.28%, the largest move among the key lines here. First Federal Savings and Loan Association of Bath has the highest CET1 ratio of the 16 banks headquartered in Maine, 25.94% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, First Federal Savings and Loan Association of Bath reported 25.94% on CET1 ratio in Q2 2026, 10.87 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.94% |
| Tier 1 risk-based capital ratio | 25.94% |
| Total risk-based capital ratio | 27.19% |
| Tier 1 leverage ratio | 14.79% |
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 | $27.8M |
| Tier 1 capital | $27.8M |
| Total risk-based capital | $29.1M |
| Total equity capital | $28.7M |
| Risk-weighted assets | $107.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.18% |
| Tangible equity to tangible assets | 15.18% |
| Equity capital to average assets | 15.28% |
| Internal capital growth rate | 2.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $27.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $920K |
| 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 | 25.65% | 25.65% | 26.91% | 14.29% | $100.8M |
| Q4 2023 | 25.84% | 25.84% | 27.10% | 14.62% | $100.6M |
| Q1 2024 | 26.15% | 26.15% | 27.41% | 14.71% | $99.9M |
| Q2 2024 | 25.60% | 25.60% | 26.86% | 14.61% | $102.4M |
| Q3 2024 | 25.76% | 25.76% | 27.02% | 14.56% | $102.7M |
| Q4 2024 | 25.49% | 25.49% | 26.75% | 14.63% | $105.0M |
| Q1 2025 | 25.88% | 25.88% | 27.14% | 14.45% | $103.7M |
| Q2 2025 | 25.91% | 25.91% | 27.17% | 14.49% | $104.2M |
| Q3 2025 | 25.89% | 25.89% | 27.14% | 14.67% | $105.2M |
| Q4 2025 | 25.63% | 25.63% | 26.89% | 14.73% | $106.6M |
| Q1 2026 | 25.94% | 25.94% | 27.20% | 14.65% | $106.3M |
| Q2 2026 | 25.94% | 25.94% | 27.19% | 14.79% | $107.1M |
First Federal Savings and Loan Association of Bath 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 of Bath, 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 of Bath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29636) · FFIEC NIC profile (RSSD 583071)