New Carlisle Federal 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, Common equity Tier 1 capital rose 4.5% in Q2 2026 to $27.8M, the biggest move on this page. New Carlisle Federal Savings Bank has the 3rd lowest CET1 ratio of the 84 banks headquartered in Ohio, at 10.05% as of Q2 2026. New Carlisle Federal Savings Bank reported 10.05% on CET1 ratio for Q2 2026, 5.02 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.05% |
| Tier 1 risk-based capital ratio | 10.05% |
| Total risk-based capital ratio | 10.79% |
| Tier 1 leverage ratio | 8.42% |
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 | $27.8M |
| Tier 1 capital | $27.8M |
| Total risk-based capital | $29.9M |
| Total equity capital | $27.7M |
| Risk-weighted assets | $277.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
| Equity capital to average assets | 8.38% |
| Internal capital growth rate | 17.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $27.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$127K |
| 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 | 9.80% | 9.80% | 10.74% | 8.33% | $200.9M |
| Q4 2023 | 9.85% | 9.85% | 10.77% | 8.37% | $206.2M |
| Q1 2024 | 9.94% | 9.94% | 10.87% | 8.34% | $209.7M |
| Q2 2024 | 10.26% | 10.26% | 11.21% | 8.52% | $210.3M |
| Q3 2024 | 10.24% | 10.24% | 11.24% | 8.73% | $219.5M |
| Q4 2024 | 9.88% | 9.88% | 10.91% | 8.66% | $233.5M |
| Q1 2025 | 9.68% | 9.68% | 10.67% | 8.37% | $244.7M |
| Q2 2025 | 9.84% | 9.84% | 10.74% | 8.48% | $249.5M |
| Q3 2025 | 9.47% | 9.47% | 10.42% | 8.25% | $266.8M |
| Q4 2025 | 9.59% | 9.59% | 10.34% | 8.25% | $270.0M |
| Q1 2026 | 9.42% | 9.42% | 10.21% | 8.17% | $283.0M |
| Q2 2026 | 10.05% | 10.05% | 10.79% | 8.42% | $277.1M |
New Carlisle Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Carlisle Federal 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 New Carlisle Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29173) · FFIEC NIC profile (RSSD 646873)