First Federal Savings and Loan Association of McMinnville: 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, Risk-weighted assets edged up by 2.4%, from $383.1M to $392.2M, the largest move among the key lines here. On CET1 ratio, First Federal Savings and Loan Association of McMinnville ranks 3rd highest among the 6 banks headquartered in Oregon, at 20.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Federal Savings and Loan Association of McMinnville sits 5.79 points higher, at 20.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.86% |
| Tier 1 risk-based capital ratio | 20.86% |
| Total risk-based capital ratio | 22.05% |
| Tier 1 leverage ratio | 11.90% |
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 | $81.8M |
| Tier 1 capital | $81.8M |
| Total risk-based capital | $86.5M |
| Total equity capital | $74.2M |
| Risk-weighted assets | $392.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.93% |
| Tangible equity to tangible assets | 10.93% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 4.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $81.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.6M |
| 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 | 21.23% | 21.23% | 22.42% | 11.77% | $357.7M |
| Q4 2023 | 20.90% | 20.90% | 22.05% | 11.86% | $365.1M |
| Q1 2024 | 20.86% | 20.86% | 22.01% | 11.76% | $366.8M |
| Q2 2024 | 20.29% | 20.29% | 21.42% | 11.76% | $378.6M |
| Q3 2024 | 20.42% | 20.42% | 21.55% | 11.78% | $378.5M |
| Q4 2024 | 20.74% | 20.74% | 21.87% | 11.77% | $375.4M |
| Q1 2025 | 20.86% | 20.86% | 22.01% | 11.69% | $375.1M |
| Q2 2025 | 20.87% | 20.87% | 22.03% | 11.66% | $377.8M |
| Q3 2025 | 21.28% | 21.28% | 22.47% | 11.69% | $373.2M |
| Q4 2025 | 21.67% | 21.67% | 22.87% | 11.77% | $370.0M |
| Q1 2026 | 21.12% | 21.12% | 22.28% | 11.89% | $383.1M |
| Q2 2026 | 20.86% | 20.86% | 22.05% | 11.90% | $392.2M |
First Federal Savings and Loan Association of McMinnville 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 McMinnville, 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 McMinnville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29624) · FFIEC NIC profile (RSSD 90579)