Third Federal Savings & Loan Association of Cleveland: 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 Accumulated other comprehensive income: 198.4% higher than in Q1 2026, at $8.6M. Within Ohio, Third Federal Savings & Loan Association of Cleveland is 30th of 84 on CET1 ratio, 15.73% as of Q2 2026, above the middle of the field. Third Federal Savings & Loan Association of Cleveland reported 15.73% on CET1 ratio for Q2 2026, 2.78 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.73% |
| Tier 1 risk-based capital ratio | 15.73% |
| Total risk-based capital ratio | 16.65% |
| Tier 1 leverage ratio | 9.99% |
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 | $1.76B |
| Tier 1 capital | $1.76B |
| Total risk-based capital | $1.86B |
| Total equity capital | $1.79B |
| Risk-weighted assets | $11.19B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.91% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.14% |
| Internal capital growth rate | 6.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $596.2M |
| Retained earnings | $1.20B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $8.6M |
| 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 | 17.15% | 17.15% | 17.87% | 9.82% | $9.57B |
| Q4 2023 | 17.22% | 17.22% | 17.96% | 9.77% | $9.64B |
| Q1 2024 | 17.40% | 17.40% | 18.13% | 9.79% | $9.67B |
| Q2 2024 | 17.33% | 17.33% | 18.06% | 9.96% | $9.83B |
| Q3 2024 | 17.17% | 17.17% | 17.91% | 10.11% | $10.03B |
| Q4 2024 | 16.74% | 16.74% | 17.59% | 9.96% | $10.13B |
| Q1 2025 | 16.72% | 16.72% | 17.58% | 10.04% | $10.24B |
| Q2 2025 | 16.51% | 16.51% | 17.37% | 10.10% | $10.50B |
| Q3 2025 | 16.53% | 16.53% | 17.40% | 10.11% | $10.65B |
| Q4 2025 | 15.82% | 15.82% | 16.79% | 9.81% | $10.80B |
| Q1 2026 | 15.89% | 15.89% | 16.85% | 9.94% | $10.89B |
| Q2 2026 | 15.73% | 15.73% | 16.65% | 9.99% | $11.19B |
Third Federal Savings & Loan Association of Cleveland regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Federal Savings & Loan Association of Cleveland, 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 Third Federal Savings & Loan Association of Cleveland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30012) · FFIEC NIC profile (RSSD 915878)