First Federal Savings and Loan Association of Lakewood: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.92% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.92% (RCOAH311).
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.
Common equity Tier 1 ratio 11.93% +5.43 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $244.6M | 244,642 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.05B | 2,051,371 | RCOAA223 |
| Recomputed ratio | 11.93% | numerator / denominator | |
| Filed ratio | 11.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.43 pp | $111.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.93% +3.93 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $244.6M | 244,642 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.05B | 2,051,371 | RCOAA223 |
| Recomputed ratio | 11.93% | numerator / denominator | |
| Filed ratio | 11.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.93 pp | $80.5M | capital that could be lost first |
Total risk-based capital ratio 12.92% +2.92 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $265.1M | 265,062 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.05B | 2,051,371 | RCOAA223 |
| Recomputed ratio | 12.92% | numerator / denominator | |
| Filed ratio | 12.92% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.92 pp | $59.9M | capital that could be lost first |
Tier 1 leverage ratio 8.37% +3.37 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $244.6M | 244,642 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.92B | 2,921,913 | RCOAA224 |
| Recomputed ratio | 8.37% | numerator / denominator | |
| Filed ratio | 8.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.37 pp | $98.5M | 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 | 8,001 | 8,001 | 8,001 | 8,001 | 8,001 | 8,001 | RCOAP742 |
| Retained earnings | 239,387 | 237,990 | 232,581 | 230,632 | 228,989 | 233,602 | RCOAKW00 |
| Accumulated other comprehensive income | (12,777) | (15,234) | (16,525) | (17,755) | (19,387) | (17,492) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 234,611 | 230,757 | 224,057 | 220,878 | 217,603 | 224,111 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,031 | 12,488 | 13,779 | 15,009 | 16,641 | 14,746 | P859 - P840 |
| Common equity Tier 1 capital | 244,642 | 243,245 | 237,836 | 235,887 | 234,244 | 238,857 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 244,642 | 243,245 | 237,836 | 235,887 | 234,244 | 238,857 | RCOA8274 |
| Tier 2 capital | 20,420 | 20,586 | 20,485 | 20,543 | 21,099 | 21,487 | RCOA5311 |
| Allowance includable in Tier 2 capital | 20,420 | 20,586 | 20,485 | 20,543 | 21,099 | 21,487 | RCOA5310 |
| Total capital | 265,062 | 263,831 | 258,321 | 256,430 | 255,343 | 260,344 | RCOA3792 |
| Total risk-weighted assets | 2,051,371 | 1,997,690 | 1,992,296 | 1,991,279 | 2,016,727 | 2,031,043 | RCOAA223 |
| Average total assets for the leverage ratio | 2,921,913 | 2,904,287 | 2,918,242 | 2,867,683 | 2,917,738 | 2,955,955 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $190.8M | $5.5M | 2.87% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $185.6M | $46.8M | 25.19% | 2.28% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.68B | $960.5M | 57.10% | 46.82% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $8.5M | $12.7M | 150.00% | 0.62% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $7.9M | $11.8M | 150.00% | 0.58% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $724.2M | $710.2M | 98.07% | 34.62% | RC-R Part II, item 4.d, 5.d |
| All other assets | $184.6M | $203.0M | 109.96% | 9.90% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $149.7M | $99.9M | 66.79% | 4.87% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $13.5M | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $883K | NA | 0.04% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.05B | ties to item 31 ($2.05B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.05B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.05B | RCONG641, ties |
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 | Risk-based | 11.93% | 11.93% | 12.92% | 8.37% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.18% | 12.18% | 13.21% | 8.38% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.94% | 11.94% | 12.97% | 8.15% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.85% | 11.85% | 12.88% | 8.23% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.62% | 11.62% | 12.66% | 8.03% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.76% | 11.76% | 12.82% | 8.08% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.67% | 11.67% | 12.73% | 7.84% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.71% | 11.71% | 12.76% | 7.94% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.88% | 11.88% | 12.88% | 8.21% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.78% | 11.78% | 12.77% | 8.26% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.86% | 11.86% | 12.78% | 8.29% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.87% | 11.87% | 12.79% | 8.62% | 12.78% | 12.79% | 13.93% | 10.03% |
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 of Lakewood (this bank) | Risk-based | 11.93% | 11.93% | 12.92% | 8.37% | |
| Minnwest Bank | $2.94B | Risk-based | 12.08% | 12.08% | 13.33% | 10.80% |
| West Coast Community Bank | $2.94B | Risk-based | 13.15% | 13.15% | 14.40% | 12.05% |
| Bryant Bank | $2.94B | Risk-based | 18.98% | 18.98% | 19.93% | 9.53% |
| Texas Regional Bank | $2.95B | Risk-based | 12.06% | 12.06% | 13.08% | 8.77% |
| NexTier Bank, N.A. | $2.93B | Risk-based | 12.11% | 12.11% | 13.27% | 9.64% |
| TIB, N.A. | $2.96B | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% |
| Fidelity Bank | $2.97B | Risk-based | 13.16% | 13.16% | 14.28% | 9.50% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Wayne Bank | $2.91B | Risk-based | 11.09% | 11.09% | 12.22% | 8.82% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Peer 25th percentile | 12.08% | 12.08% | 13.22% | 9.51% | ||
| Peer median | 12.63% | 12.63% | 13.81% | 9.88% | ||
| Peer 75th percentile | 14.61% | 14.61% | 15.78% | 10.65% | ||
| This bank's percentile | 12 | 12 | 12 | 0 |
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/318974/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.