First Federal Savings Bank of Lincolnton: 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 largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which fell 0.53 percentage points to 35.55%. First Federal Savings Bank of Lincolnton ranks 5th of 26 North Carolina banks on CET1 ratio, in the upper half at 34.30% (Q2 2026). First Federal Savings Bank of Lincolnton's CET1 ratio of 34.30% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 19.23 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.30% |
| Tier 1 risk-based capital ratio | 34.30% |
| Total risk-based capital ratio | 35.55% |
| Tier 1 leverage ratio | 17.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $85.4M |
| Tier 1 capital | $85.4M |
| Total risk-based capital | $88.5M |
| Total equity capital | $82.3M |
| Risk-weighted assets | $249.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.93% |
| Tangible equity to tangible assets | 16.93% |
| Equity capital to average assets | 16.96% |
| Internal capital growth rate | 2.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $85.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 33.39% | 33.39% | 34.64% | 17.99% | $233.3M |
| Q4 2023 | 33.34% | 33.34% | 34.60% | 18.09% | $236.1M |
| Q1 2024 | 32.90% | 32.90% | 34.16% | 17.57% | $240.2M |
| Q2 2024 | 32.80% | 32.80% | 34.05% | 17.45% | $243.6M |
| Q3 2024 | 32.82% | 32.82% | 34.07% | 17.51% | $245.3M |
| Q4 2024 | 32.53% | 32.53% | 33.78% | 17.29% | $248.7M |
| Q1 2025 | 33.82% | 33.82% | 35.07% | 17.25% | $241.0M |
| Q2 2025 | 33.81% | 33.81% | 35.07% | 17.23% | $244.0M |
| Q3 2025 | 34.10% | 34.10% | 35.36% | 17.59% | $244.7M |
| Q4 2025 | 34.40% | 34.40% | 35.66% | 17.70% | $244.5M |
| Q1 2026 | 34.83% | 34.83% | 36.08% | 17.75% | $243.7M |
| Q2 2026 | 34.30% | 34.30% | 35.55% | 17.61% | $249.0M |
First Federal Savings Bank of Lincolnton 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 Lincolnton, 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 Lincolnton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30315) · FFIEC NIC profile (RSSD 42372)