First Federal Savings Bank of Mascoutah, Illinois: 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%.
Risk-weighted assets rose 3.5% from Q1 2026 to Q2 2026, ending at $140.1M against $135.4M. It was the largest change among the key lines on this page. Within Illinois, First Federal Savings Bank of Mascoutah, Illinois is 94th of 198 on CET1 ratio, 15.33% as of Q2 2026, above the middle of the field. At 15.33%, First Federal Savings Bank of Mascoutah, Illinois's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.33% |
| Tier 1 risk-based capital ratio | 15.33% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 10.46% |
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 | $21.5M |
| Tier 1 capital | $21.5M |
| Total risk-based capital | $23.1M |
| Total equity capital | $20.2M |
| Risk-weighted assets | $140.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
| Equity capital to average assets | 9.84% |
| Internal capital growth rate | 9.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $21.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 15.38% | 15.38% | 16.31% | 10.02% | $115.0M |
| Q4 2023 | 15.40% | 15.40% | 16.34% | 10.15% | $116.5M |
| Q1 2024 | 16.01% | 16.01% | 17.01% | 10.20% | $113.4M |
| Q2 2024 | 16.39% | 16.39% | 17.43% | 10.33% | $112.1M |
| Q3 2024 | 15.78% | 15.78% | 16.78% | 10.53% | $118.3M |
| Q4 2024 | 14.52% | 14.52% | 15.44% | 10.20% | $131.2M |
| Q1 2025 | 15.13% | 15.13% | 16.11% | 10.12% | $128.6M |
| Q2 2025 | 15.15% | 15.15% | 16.16% | 10.17% | $130.7M |
| Q3 2025 | 15.40% | 15.40% | 16.47% | 10.34% | $131.2M |
| Q4 2025 | 15.91% | 15.91% | 17.06% | 10.53% | $129.6M |
| Q1 2026 | 15.53% | 15.53% | 16.68% | 10.46% | $135.4M |
| Q2 2026 | 15.33% | 15.33% | 16.49% | 10.46% | $140.1M |
First Federal Savings Bank of Mascoutah, Illinois 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 Mascoutah, Illinois, 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 Mascoutah, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30969) · FFIEC NIC profile (RSSD 966272)