Geddes 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%.
Equity capital to average assets fell 0.44 percentage points from Q1 2026 to Q2 2026, ending at 14.70% against 15.14%. It was the largest change among the key lines 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 | 14.70% |
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 | $100.0M |
| Tier 1 capital | $100.0M |
| Total risk-based capital | — |
| Total equity capital | $100.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.59% |
| Tangible equity to tangible assets | 14.59% |
| Equity capital to average assets | 14.70% |
| Internal capital growth rate | 2.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $100.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $15K |
| 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 | 15.89% | 15.62% | 15.62% |
| Q4 2023 | 15.45% | 15.21% | 15.21% |
| Q1 2024 | 15.40% | 15.25% | 15.25% |
| Q2 2024 | 15.06% | 14.95% | 14.95% |
| Q3 2024 | 14.99% | 15.26% | 15.26% |
| Q4 2024 | 15.18% | 15.13% | 15.13% |
| Q1 2025 | 15.31% | 15.42% | 15.42% |
| Q2 2025 | 15.38% | 15.27% | 15.27% |
| Q3 2025 | 15.25% | 15.44% | 15.44% |
| Q4 2025 | 15.29% | 15.17% | 15.17% |
| Q1 2026 | 15.14% | 14.86% | 14.86% |
| Q2 2026 | 14.70% | 14.59% | 14.59% |
Geddes 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 Geddes 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 Geddes Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30397) · FFIEC NIC profile (RSSD 451273)