Ladysmith Federal Savings & 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 biggest quarter-over-quarter change on this page was a small one: Common equity Tier 1 capital edged up 1.2% between Q1 2026 and Q2 2026, to $8.6M.
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 | 9.18% |
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 | $8.6M |
| Tier 1 capital | $8.6M |
| Total risk-based capital | — |
| Total equity capital | $7.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 8.10% |
| Internal capital growth rate | 5.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 16.00% | 16.00% | 16.98% | 9.62% | $46.1M |
| Q4 2023 | 15.58% | 15.58% | 16.52% | 9.32% | $47.9M |
| Q1 2024 | 15.77% | 15.77% | 16.83% | 9.24% | $48.0M |
| Q2 2024 | 15.17% | 15.17% | 16.16% | 9.08% | $50.5M |
| Q3 2024 | 15.14% | 15.14% | 16.19% | 8.80% | $51.5M |
| Q4 2024 | 15.16% | 15.16% | 16.22% | 8.81% | $51.8M |
| Q1 2025 | 15.50% | 15.50% | 16.57% | 8.88% | $51.4M |
| Q2 2025 | 15.96% | 15.96% | 17.04% | 9.14% | $50.7M |
| Q3 2025 | 15.65% | 15.65% | 16.72% | 9.10% | $52.3M |
| Q4 2025 | 15.70% | 15.70% | 16.79% | 9.11% | $53.2M |
| Q1 2026 | — | — | — | 9.17% | — |
| Q2 2026 | — | — | — | 9.18% | — |
Ladysmith Federal Savings & Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ladysmith Federal Savings & 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 Ladysmith Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28983) · FFIEC NIC profile (RSSD 686570)