First Federal Savings Bank of Kentucky: 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%.
Compared with Q1 2026, Retained earnings fell 3.9% in Q2 2026 to -$11.7M, the biggest move on this page.
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 | 10.48% |
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 | $30.2M |
| Tier 1 capital | $30.2M |
| Total risk-based capital | — |
| Total equity capital | $30.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.64% |
| Tangible equity to tangible assets | 10.64% |
| Equity capital to average assets | 10.44% |
| Internal capital growth rate | -5.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $41.8M |
| Retained earnings | -$11.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$87K |
| 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 | 11.10% | 11.12% | 10.81% |
| Q4 2023 | 10.70% | 10.73% | 10.42% |
| Q1 2024 | 10.43% | 10.55% | 10.25% |
| Q2 2024 | 10.22% | 10.07% | 10.07% |
| Q3 2024 | 10.07% | 10.02% | 10.02% |
| Q4 2024 | 10.13% | 10.07% | 10.07% |
| Q1 2025 | 9.98% | 9.83% | 9.83% |
| Q2 2025 | 9.97% | 10.24% | 10.24% |
| Q3 2025 | 10.29% | 10.27% | 10.27% |
| Q4 2025 | 10.37% | 10.41% | 10.41% |
| Q1 2026 | 10.55% | 10.61% | 10.61% |
| Q2 2026 | 10.48% | 10.64% | 10.64% |
First Federal Savings Bank of Kentucky 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 Kentucky, 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 Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29937) · FFIEC NIC profile (RSSD 741974)