Franklin Savings 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%.
Compared with Q1 2026, Total equity capital rose 2.9% in Q2 2026 to $82.3M, the biggest move on this page.
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 | 9.75% |
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 | $90.3M |
| Tier 1 capital | $90.3M |
| Total risk-based capital | — |
| Total equity capital | $82.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.83% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.88% |
| Internal capital growth rate | 12.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $91.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.0M |
| 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 | 13.65% | 13.65% | 14.64% | 9.30% | $543.1M |
| Q4 2023 | 13.64% | 13.64% | 14.59% | 9.43% | $551.8M |
| Q1 2024 | 13.68% | 13.68% | 14.63% | 9.47% | $556.9M |
| Q2 2024 | 13.67% | 13.67% | 14.62% | 9.48% | $562.9M |
| Q3 2024 | 13.60% | 13.60% | 14.55% | 9.41% | $571.3M |
| Q4 2024 | 13.18% | 13.18% | 14.15% | 9.48% | $595.8M |
| Q1 2025 | 12.59% | 12.59% | 13.52% | 9.41% | $632.8M |
| Q2 2025 | 12.17% | 12.17% | 13.09% | 9.16% | $667.6M |
| Q3 2025 | 12.02% | 12.02% | 12.94% | 9.26% | $692.6M |
| Q4 2025 | 12.01% | 12.01% | 12.93% | 9.34% | $710.0M |
| Q1 2026 | 12.55% | 12.55% | 13.50% | 9.53% | $700.2M |
| Q2 2026 | — | — | — | 9.75% | — |
Franklin Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Savings 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 Franklin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17951) · FFIEC NIC profile (RSSD 491402)