Piedmont 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%.
In Q2 2026, Accumulated other comprehensive income edged up by 2.3%, from -$17.3M to -$16.9M, the largest move among the key lines here.
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 | 18.60% |
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 | $246.9M |
| Tier 1 capital | $246.9M |
| Total risk-based capital | — |
| Total equity capital | $240.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.28% |
| Tangible equity to tangible assets | 17.62% |
| Equity capital to average assets | 17.98% |
| Internal capital growth rate | 1.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $257.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.9M |
| 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 | 20.24% | 17.34% | 17.34% |
| Q4 2023 | 18.73% | 16.64% | 16.64% |
| Q1 2024 | 18.77% | 17.48% | 16.77% |
| Q2 2024 | 18.63% | 17.30% | 16.60% |
| Q3 2024 | 18.26% | 18.18% | 17.47% |
| Q4 2024 | 18.74% | 17.96% | 17.25% |
| Q1 2025 | 18.86% | 18.21% | 17.51% |
| Q2 2025 | 18.93% | 18.29% | 17.59% |
| Q3 2025 | 19.03% | 18.43% | 17.75% |
| Q4 2025 | 18.88% | 18.50% | 17.82% |
| Q1 2026 | 18.87% | 18.30% | 17.64% |
| Q2 2026 | 18.60% | 18.28% | 17.62% |
Piedmont Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Piedmont 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 Piedmont Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27619) · FFIEC NIC profile (RSSD 864471)