First Federal Savings and Loan Association of Lorain: 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 biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 2.4% between Q1 2026 and Q2 2026, to $304.2M. Within Ohio, First Federal Savings and Loan Association of Lorain is 18th of 84 on CET1 ratio, 19.68% as of Q2 2026, above the middle of the field. First Federal Savings and Loan Association of Lorain reported 19.68% on CET1 ratio for Q2 2026, 4.60 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.68% |
| Tier 1 risk-based capital ratio | 19.68% |
| Total risk-based capital ratio | 20.34% |
| Tier 1 leverage ratio | 10.36% |
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 | $59.9M |
| Tier 1 capital | $59.9M |
| Total risk-based capital | $61.9M |
| Total equity capital | $53.3M |
| Risk-weighted assets | $304.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.23% |
| Internal capital growth rate | 0.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $59.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.5M |
| 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 | 25.58% | 25.58% | 26.25% | 12.08% | $251.4M |
| Q4 2023 | 25.52% | 25.52% | 26.21% | 11.98% | $247.6M |
| Q1 2024 | 25.24% | 25.24% | 25.93% | 11.84% | $246.2M |
| Q2 2024 | 24.75% | 24.75% | 25.43% | 11.73% | $247.0M |
| Q3 2024 | 24.53% | 24.53% | 25.22% | 11.76% | $247.0M |
| Q4 2024 | 24.46% | 24.46% | 25.15% | 11.78% | $245.4M |
| Q1 2025 | 23.87% | 23.87% | 24.55% | 11.83% | $249.8M |
| Q2 2025 | 22.39% | 22.39% | 23.03% | 11.29% | $265.9M |
| Q3 2025 | 20.67% | 20.67% | 21.29% | 10.80% | $288.1M |
| Q4 2025 | 20.30% | 20.30% | 20.93% | 10.59% | $293.8M |
| Q1 2026 | 20.10% | 20.10% | 20.74% | 10.32% | $297.3M |
| Q2 2026 | 19.68% | 19.68% | 20.34% | 10.36% | $304.2M |
First Federal Savings and Loan Association of Lorain 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 Lorain, 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 Lorain profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29838) · FFIEC NIC profile (RSSD 144678)