First Freedom Bank: 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 Retained earnings, which rose 5.3% to $62.3M.
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 | 12.46% |
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 | $99.3M |
| Tier 1 capital | $99.3M |
| Total risk-based capital | — |
| Total equity capital | $99.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.17% |
| Tangible equity to tangible assets | 12.10% |
| Equity capital to average assets | 12.47% |
| Internal capital growth rate | 13.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $35.2M |
| Retained earnings | $62.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$362K |
| 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 | 11.50% | 11.51% | 11.35% |
| Q4 2023 | 10.96% | 10.96% | 10.80% |
| Q1 2024 | 10.98% | 10.90% | 10.76% |
| Q2 2024 | 11.07% | 10.98% | 10.84% |
| Q3 2024 | 11.16% | 10.91% | 10.79% |
| Q4 2024 | 10.87% | 10.53% | 10.42% |
| Q1 2025 | 10.71% | 10.81% | 10.70% |
| Q2 2025 | 11.19% | 11.25% | 11.15% |
| Q3 2025 | 11.96% | 12.14% | 12.04% |
| Q4 2025 | 12.33% | 11.83% | 11.74% |
| Q1 2026 | 12.56% | 12.33% | 12.25% |
| Q2 2026 | 12.46% | 12.17% | 12.10% |
First Freedom Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Freedom Bank, 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58208) · FFIEC NIC profile (RSSD 3437148)