First Federal Savings and Loan Association of Lakewood: 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 Accumulated other comprehensive income: 16.1% higher than in Q1 2026, at -$12.8M. First Federal Savings and Loan Association of Lakewood ranks 68th of 84 Ohio banks on CET1 ratio, in the lower half at 11.93% (Q2 2026). First Federal Savings and Loan Association of Lakewood reported 11.93% on CET1 ratio for Q2 2026, 1.55 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.93% |
| Tier 1 risk-based capital ratio | 11.93% |
| Total risk-based capital ratio | 12.92% |
| Tier 1 leverage ratio | 8.37% |
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 | $244.6M |
| Tier 1 capital | $244.6M |
| Total risk-based capital | $265.1M |
| Total equity capital | $234.6M |
| Risk-weighted assets | $2.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.97% |
| Tangible equity to tangible assets | 7.89% |
| Equity capital to average assets | 8.02% |
| Internal capital growth rate | 2.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $8.0M |
| Retained earnings | $239.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.8M |
| 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 | 11.87% | 11.87% | 12.79% | 8.62% | $1.97B |
| Q4 2023 | 11.86% | 11.86% | 12.78% | 8.29% | $1.97B |
| Q1 2024 | 11.78% | 11.78% | 12.77% | 8.26% | $1.99B |
| Q2 2024 | 11.88% | 11.88% | 12.88% | 8.21% | $1.99B |
| Q3 2024 | 11.71% | 11.71% | 12.76% | 7.94% | $2.02B |
| Q4 2024 | 11.67% | 11.67% | 12.73% | 7.84% | $2.03B |
| Q1 2025 | 11.76% | 11.76% | 12.82% | 8.08% | $2.03B |
| Q2 2025 | 11.62% | 11.62% | 12.66% | 8.03% | $2.02B |
| Q3 2025 | 11.85% | 11.85% | 12.88% | 8.23% | $1.99B |
| Q4 2025 | 11.94% | 11.94% | 12.97% | 8.15% | $1.99B |
| Q1 2026 | 12.18% | 12.18% | 13.21% | 8.38% | $2.00B |
| Q2 2026 | 11.93% | 11.93% | 12.92% | 8.37% | $2.05B |
First Federal Savings and Loan Association of Lakewood 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 Lakewood, 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 Lakewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29488) · FFIEC NIC profile (RSSD 318974)