First Federal Savings Bank of Champaign-Urbana: 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%.
Equity capital to total assets climbed 1.09 percentage points in Q2 2026, from 12.69% to 13.78%. 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 | 12.71% |
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 | $25.5M |
| Tier 1 capital | $25.5M |
| Total risk-based capital | — |
| Total equity capital | $26.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.78% |
| Tangible equity to tangible assets | 13.57% |
| Equity capital to average assets | 13.18% |
| Internal capital growth rate | 14.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $10.5M |
| Retained earnings | $15.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $529K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.10% | 10.38% | 10.15% |
| Q4 2023 | 10.63% | 10.88% | 10.65% |
| Q1 2024 | 10.97% | 10.91% | 10.69% |
| Q2 2024 | 10.80% | 11.25% | 11.03% |
| Q3 2024 | 11.64% | 12.07% | 11.84% |
| Q4 2024 | 11.70% | 11.82% | 11.60% |
| Q1 2025 | 11.85% | 11.79% | 11.57% |
| Q2 2025 | 12.32% | 12.86% | 12.63% |
| Q3 2025 | 12.50% | 12.97% | 12.75% |
| Q4 2025 | 12.83% | 12.93% | 12.71% |
| Q1 2026 | 12.35% | 12.69% | 12.48% |
| Q2 2026 | 12.71% | 13.78% | 13.57% |
First Federal Savings Bank of Champaign-Urbana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Champaign-Urbana, 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 of Champaign-Urbana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28445) · FFIEC NIC profile (RSSD 346771)