First Federal Savings & Loan Association of Pascagoula-Moss Point: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.13 percentage points between Q1 2026 and Q2 2026, to 9.49%.
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 | 9.72% |
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 | $36.7M |
| Tier 1 capital | $36.7M |
| Total risk-based capital | — |
| Total equity capital | $35.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 9.49% |
| Internal capital growth rate | 4.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $36.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$853K |
| Subordinated notes and debentures | $35.0M |
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 | — | — | — | 9.68% | — |
| Q4 2023 | 19.74% | 19.74% | 40.64% | 9.62% | $174.5M |
| Q1 2024 | 19.27% | 19.27% | 39.56% | 9.50% | $179.9M |
| Q2 2024 | 19.22% | 19.22% | 39.36% | 9.42% | $181.2M |
| Q3 2024 | 19.04% | 19.04% | 38.83% | 9.26% | $183.8M |
| Q4 2024 | 18.94% | 18.94% | 38.55% | 9.28% | $185.4M |
| Q1 2025 | 19.25% | 19.25% | 39.06% | 9.33% | $183.3M |
| Q2 2025 | 18.68% | 18.68% | 37.80% | 9.33% | $189.9M |
| Q3 2025 | 18.66% | 18.66% | 37.61% | 9.40% | $191.5M |
| Q4 2025 | 19.06% | 19.06% | 38.33% | 9.41% | $188.4M |
| Q1 2026 | 19.53% | 19.53% | 39.05% | 9.57% | $186.0M |
| Q2 2026 | — | — | — | 9.72% | — |
First Federal Savings & Loan Association of Pascagoula-Moss Point regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings & Loan Association of Pascagoula-Moss Point, 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 & Loan Association of Pascagoula-Moss Point profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30812) · FFIEC NIC profile (RSSD 90177)