First 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 standout move of Q2 2026 was in Common equity Tier 1 ratio: 1.94 percentage points higher than in Q1 2026, at 55.57%. Among 26 North Carolina banks, First Savings and Loan Association sits 2nd from the top on CET1 ratio, 55.57% as of Q2 2026. First Savings and Loan Association's CET1 ratio of 55.57% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 36.00 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 55.57% |
| Tier 1 risk-based capital ratio | 55.57% |
| Total risk-based capital ratio | 56.30% |
| Tier 1 leverage ratio | 23.92% |
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 | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | $13.6M |
| Total equity capital | $13.4M |
| Risk-weighted assets | $24.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.97% |
| Tangible equity to tangible assets | 23.97% |
| Equity capital to average assets | 23.92% |
| Internal capital growth rate | 1.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $13.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 52.32% | 52.32% | 53.26% | 21.86% | $25.4M |
| Q4 2023 | 53.50% | 53.50% | 54.35% | 21.98% | $25.0M |
| Q1 2024 | 53.64% | 53.64% | 54.45% | 22.14% | $24.9M |
| Q2 2024 | 53.61% | 53.61% | 54.43% | 22.81% | $24.8M |
| Q3 2024 | 53.56% | 53.56% | 54.35% | 22.44% | $24.8M |
| Q4 2024 | 53.16% | 53.16% | 53.95% | 21.98% | $25.1M |
| Q1 2025 | 53.85% | 53.85% | 54.65% | 22.28% | $24.7M |
| Q2 2025 | 52.95% | 52.95% | 53.73% | 22.71% | $25.2M |
| Q3 2025 | 52.86% | 52.86% | 53.64% | 22.93% | $25.1M |
| Q4 2025 | 54.00% | 54.00% | 54.75% | 23.80% | $24.6M |
| Q1 2026 | 53.63% | 53.63% | 54.38% | 24.02% | $24.9M |
| Q2 2026 | 55.57% | 55.57% | 56.30% | 23.92% | $24.1M |
First 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 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30358) · FFIEC NIC profile (RSSD 141677)