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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 15.4% higher than in Q1 2026, at -$6.5M.
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 | 9.54% |
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 | $54.6M |
| Tier 1 capital | $54.6M |
| Total risk-based capital | — |
| Total equity capital | $53.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.37% |
| Tangible equity to tangible assets | 8.37% |
| Equity capital to average assets | 9.33% |
| Internal capital growth rate | 2.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $32.4M |
| Retained earnings | $28.1M |
| 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 | — | — | — | 8.15% | — |
| Q4 2023 | 11.55% | 11.55% | 12.79% | 8.11% | $450.9M |
| Q1 2024 | 11.41% | 11.41% | 12.64% | 8.23% | $456.0M |
| Q2 2024 | 11.42% | 11.42% | 12.63% | 8.22% | $454.4M |
| Q3 2024 | 11.76% | 11.76% | 12.98% | 8.36% | $446.8M |
| Q4 2024 | 12.10% | 12.10% | 13.35% | 8.41% | $438.6M |
| Q1 2025 | 12.29% | 12.29% | 13.52% | 8.80% | $432.5M |
| Q2 2025 | 12.65% | 12.65% | 13.88% | 8.95% | $422.3M |
| Q3 2025 | 12.79% | 12.79% | 14.01% | 8.92% | $420.4M |
| Q4 2025 | 13.01% | 13.01% | 14.26% | 8.96% | $417.4M |
| Q1 2026 | — | — | — | 9.38% | — |
| Q2 2026 | — | — | — | 9.54% | — |
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 29056) · FFIEC NIC profile (RSSD 613679)