First Mutual Bank, FSB: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.16 percentage points between Q1 2026 and Q2 2026, to 9.81%. First Mutual Bank, FSB ranks 21st of 84 Ohio banks on CET1 ratio, in the upper half at 18.65% (Q2 2026). First Mutual Bank, FSB reported 18.65% on CET1 ratio for Q2 2026, 3.57 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.65% |
| Tier 1 risk-based capital ratio | 18.65% |
| Total risk-based capital ratio | 19.61% |
| Tier 1 leverage ratio | 9.60% |
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 | $10.6M |
| Tier 1 capital | $10.6M |
| Total risk-based capital | $11.1M |
| Total equity capital | $10.8M |
| Risk-weighted assets | $56.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.81% |
| Tangible equity to tangible assets | 6.48% |
| Equity capital to average assets | 9.47% |
| Internal capital growth rate | 4.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $14.6M |
| Retained earnings | -$153K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 17.74% | 17.74% | 18.70% | 8.72% | $55.8M |
| Q4 2023 | 17.23% | 17.23% | 18.14% | 8.73% | $58.0M |
| Q1 2024 | 17.18% | 17.18% | 18.21% | 7.43% | $58.0M |
| Q2 2024 | 17.00% | 17.00% | 18.03% | 7.21% | $58.9M |
| Q3 2024 | 17.93% | 17.93% | 19.01% | 7.47% | $56.0M |
| Q4 2024 | 18.00% | 18.00% | 19.06% | 8.93% | $56.3M |
| Q1 2025 | 17.82% | 17.82% | 18.85% | 9.20% | $57.5M |
| Q2 2025 | 17.49% | 17.49% | 18.51% | 9.41% | $59.0M |
| Q3 2025 | 17.21% | 17.21% | 18.18% | 9.57% | $60.2M |
| Q4 2025 | 18.11% | 18.11% | 19.07% | 9.44% | $57.6M |
| Q1 2026 | 18.50% | 18.50% | 19.47% | 9.51% | $56.4M |
| Q2 2026 | 18.65% | 18.65% | 19.61% | 9.60% | $56.6M |
First Mutual Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mutual Bank, FSB, 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 Mutual Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29617) · FFIEC NIC profile (RSSD 493077)