First Federal Savings Bank: 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%.
Accumulated other comprehensive income climbed 15.6% in Q2 2026, from -$1.9M to -$1.6M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.31% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.8M |
| Tier 1 capital | $64.8M |
| Total risk-based capital | — |
| Total equity capital | $63.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 9.07% |
| Internal capital growth rate | 11.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $130K |
| Common stock surplus | $2.2M |
| Retained earnings | $62.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 13.50% | 13.50% | 14.75% | 8.69% | $401.8M |
| Q4 2023 | 13.86% | 13.86% | 15.11% | 8.88% | $403.8M |
| Q1 2024 | 12.73% | 12.73% | 13.98% | 8.73% | $442.0M |
| Q2 2024 | 13.36% | 13.36% | 14.61% | 8.75% | $423.2M |
| Q3 2024 | 13.37% | 13.37% | 14.62% | 8.70% | $430.4M |
| Q4 2024 | 13.51% | 13.51% | 14.76% | 8.84% | $436.0M |
| Q1 2025 | 14.19% | 14.19% | 15.44% | 9.19% | $424.5M |
| Q2 2025 | 14.20% | 14.20% | 15.45% | 9.63% | $433.6M |
| Q3 2025 | 13.80% | 13.80% | 15.05% | 9.53% | $455.1M |
| Q4 2025 | 13.85% | 13.85% | 15.11% | 9.24% | $445.4M |
| Q1 2026 | 13.57% | 13.57% | 14.82% | 9.21% | $464.1M |
| Q2 2026 | — | — | — | 9.31% | — |
First Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank, 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31516) · FFIEC NIC profile (RSSD 257578)