First Federal Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 9.54% +0.54 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $54.6M | 54,640 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $572.5M | 572,542 | RCOAA224 |
| Recomputed ratio | 9.54% | numerator / denominator | |
| Filed ratio | 9.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.54 pp | $3.1M | 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 | 32,382 | 32,382 | 32,382 | 32,382 | 32,382 | 32,382 | RCOAP742 |
| Retained earnings | 28,082 | 27,813 | 27,757 | 27,201 | 26,866 | 26,611 | RCOAKW00 |
| Accumulated other comprehensive income | (6,525) | (7,714) | (6,458) | (7,771) | (9,716) | (9,885) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 53,939 | 52,481 | 53,681 | 51,812 | 49,532 | 49,108 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 701 | 1,888 | 631 | 1,942 | 3,885 | 4,057 | P859 - P840 |
| Common equity Tier 1 capital | 54,640 | 54,369 | 54,312 | 53,754 | 53,417 | 53,165 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,640 | 54,369 | 54,312 | 53,754 | 53,417 | 53,165 | RCOA8274 |
| Tier 2 capital | NA | NA | 5,218 | 5,166 | 5,199 | 5,300 | |
| Allowance includable in Tier 2 capital | NA | NA | 5,218 | 5,166 | 5,199 | 5,300 | |
| Total capital | NA | NA | 59,530 | 58,920 | 58,616 | 58,465 | |
| Total risk-weighted assets | NA | NA | 417,437 | 420,434 | 422,251 | 432,509 | |
| Average total assets for the leverage ratio | 572,542 | 579,381 | 606,260 | 602,741 | 596,838 | 603,805 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 9.54% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.01% | 13.01% | 14.26% | 8.96% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.79% | 12.79% | 14.01% | 8.92% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.65% | 12.65% | 13.88% | 8.95% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.29% | 12.29% | 13.52% | 8.80% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.10% | 12.10% | 13.35% | 8.41% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.76% | 11.76% | 12.98% | 8.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.42% | 11.42% | 12.63% | 8.22% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.41% | 11.41% | 12.64% | 8.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.55% | 11.55% | 12.79% | 8.11% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 8.15% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Bank (this bank) | CBLR | NA | NA | NA | 9.54% | |
| First Seacoast Bank | $576.3M | Risk-based | 14.90% | 14.90% | 15.96% | 8.92% |
| Unity Bank | $574.8M | Risk-based | 12.16% | 12.16% | 13.44% | 8.78% |
| Gibsland Bank & Trust Company | $574.3M | CBLR | NA | NA | NA | 16.50% |
| Horizon Bank | $574.3M | Risk-based | 15.07% | 15.07% | 15.80% | 13.96% |
| Enterprise Bank | $574.0M | Risk-based | 12.78% | 12.78% | 13.90% | 11.15% |
| The Karnes County National Bank of Karnes City | $577.4M | Risk-based | 20.43% | 20.43% | 21.51% | 10.76% |
| First Federal Savings and Loan Association of Lorain | $573.8M | Risk-based | 19.68% | 19.68% | 20.34% | 10.36% |
| United Bank of Union | $577.5M | CBLR | NA | NA | NA | 9.65% |
| Citizens Bank and Trust Company | $577.6M | CBLR | NA | NA | NA | 15.39% |
| Peer 25th percentile | 13.31% | 13.31% | 14.37% | 9.65% | ||
| Peer median | 14.99% | 14.99% | 15.88% | 10.76% | ||
| Peer 75th percentile | 18.52% | 18.52% | 19.24% | 13.96% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/613679/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.