First Federal Savings and Loan Association of Delta: 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 Total risk-based capital ratio: 2.97 percentage points lower than in Q1 2026, at 40.32%. On CET1 ratio, First Federal Savings and Loan Association of Delta ranks 3rd highest among the 84 banks headquartered in Ohio, at 39.65% (Q2 2026). First Federal Savings and Loan Association of Delta's CET1 ratio of 39.65% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 24.58 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 39.65% |
| Tier 1 risk-based capital ratio | 39.65% |
| Total risk-based capital ratio | 40.32% |
| Tier 1 leverage ratio | 16.48% |
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 | $41.3M |
| Tier 1 capital | $41.3M |
| Total risk-based capital | $42.0M |
| Total equity capital | $39.2M |
| Risk-weighted assets | $104.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.93% |
| Tangible equity to tangible assets | 15.93% |
| Equity capital to average assets | 15.63% |
| Internal capital growth rate | 6.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $41.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 40.43% | 40.43% | 40.96% | 15.78% | $87.2M |
| Q4 2023 | 40.75% | 40.75% | 41.60% | 15.82% | $87.8M |
| Q1 2024 | 41.56% | 41.56% | 42.41% | 16.11% | $87.3M |
| Q2 2024 | 41.28% | 41.28% | 42.11% | 16.14% | $89.2M |
| Q3 2024 | 43.24% | 43.24% | 44.09% | 16.47% | $86.5M |
| Q4 2024 | 41.62% | 41.62% | 42.39% | 16.54% | $90.9M |
| Q1 2025 | 41.94% | 41.94% | 41.94% | 16.68% | $91.3M |
| Q2 2025 | 41.23% | 41.23% | 41.23% | 16.60% | $94.4M |
| Q3 2025 | 41.17% | 41.17% | 41.94% | 16.56% | $95.9M |
| Q4 2025 | 40.81% | 40.81% | 41.52% | 16.52% | $98.1M |
| Q1 2026 | 42.57% | 42.57% | 43.29% | 16.54% | $95.6M |
| Q2 2026 | 39.65% | 39.65% | 40.32% | 16.48% | $104.3M |
First Federal Savings and Loan Association of Delta 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 Delta, 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 Delta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29345) · FFIEC NIC profile (RSSD 80374)