Kingstree 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 standout move of Q2 2026 was in Tier 1 leverage ratio: 2.87 percentage points lower than in Q1 2026, at 12.08%.
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 | 12.08% |
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 | $4.9M |
| Tier 1 capital | $4.9M |
| Total risk-based capital | — |
| Total equity capital | $5.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.29% |
| Tangible equity to tangible assets | 13.29% |
| Equity capital to average assets | 13.00% |
| Internal capital growth rate | -4.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $90K |
| Retained earnings | $5.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$368K |
| 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 | 17.28% | 14.88% | 14.88% |
| Q4 2023 | 17.26% | 15.31% | 15.31% |
| Q1 2024 | 16.74% | 15.19% | 15.19% |
| Q2 2024 | 16.02% | 13.00% | 13.00% |
| Q3 2024 | 14.43% | 13.22% | 13.22% |
| Q4 2024 | 15.62% | 14.57% | 14.57% |
| Q1 2025 | 16.18% | 14.67% | 14.67% |
| Q2 2025 | 16.07% | 14.53% | 14.53% |
| Q3 2025 | 15.71% | 14.44% | 14.44% |
| Q4 2025 | 15.37% | 14.19% | 14.19% |
| Q1 2026 | 14.95% | 13.80% | 13.80% |
| Q2 2026 | 12.08% | 13.29% | 13.29% |
Kingstree 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 Kingstree 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 Kingstree Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29486) · FFIEC NIC profile (RSSD 440978)