First Piedmont Federal Savings and Loan Association: 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 Equity capital to average assets, which rose 0.38 percentage points to 29.28%.
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 | 29.14% |
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 | $171.3M |
| Tier 1 capital | $171.3M |
| Total risk-based capital | — |
| Total equity capital | $172.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 28.88% |
| Tangible equity to tangible assets | 28.88% |
| Equity capital to average assets | 29.28% |
| Internal capital growth rate | 6.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $172.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 25.56% | 25.14% | 25.14% |
| Q4 2023 | 25.35% | 25.25% | 25.25% |
| Q1 2024 | 26.32% | 26.38% | 26.38% |
| Q2 2024 | 27.29% | 27.23% | 27.23% |
| Q3 2024 | 27.42% | 27.56% | 27.56% |
| Q4 2024 | 27.83% | 27.53% | 27.53% |
| Q1 2025 | 27.99% | 28.24% | 28.24% |
| Q2 2025 | 28.39% | 28.06% | 28.06% |
| Q3 2025 | 28.58% | 28.65% | 28.65% |
| Q4 2025 | 28.78% | 28.79% | 28.79% |
| Q1 2026 | 28.76% | 28.73% | 28.73% |
| Q2 2026 | 29.14% | 28.88% | 28.88% |
First Piedmont Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Piedmont Federal Savings and Loan Association, 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 Piedmont Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28859) · FFIEC NIC profile (RSSD 646172)