Tioga-Franklin 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total equity capital: 18.3% lower than in Q1 2026, at $1.4M. Tioga-Franklin Savings Bank's CET1 ratio of 2.89% is well below the 19.96% median for banks in the < $100M asset tier, a gap of 17.08 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 2.89% |
| Tier 1 risk-based capital ratio | 2.89% |
| Total risk-based capital ratio | 4.14% |
| Tier 1 leverage ratio | 2.06% |
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 | $1.4M |
| Tier 1 capital | $1.4M |
| Total risk-based capital | $2.0M |
| Total equity capital | $1.4M |
| Risk-weighted assets | $49.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.04% |
| Tangible equity to tangible assets | 2.04% |
| Equity capital to average assets | 2.03% |
| Internal capital growth rate | -66.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $1.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18K |
| 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 | 13.00% | 13.00% | 14.26% | 8.72% | $48.0M |
| Q4 2023 | 13.35% | 13.35% | 14.63% | 7.72% | $41.5M |
| Q1 2024 | 12.96% | 12.96% | 14.24% | 7.40% | $42.7M |
| Q2 2024 | 11.64% | 11.64% | 12.92% | 6.99% | $42.6M |
| Q3 2024 | 9.29% | 9.29% | 10.56% | 5.79% | $43.7M |
| Q4 2024 | 7.82% | 7.82% | 9.08% | 5.17% | $45.6M |
| Q1 2025 | 6.57% | 6.57% | 7.83% | 4.40% | $45.5M |
| Q2 2025 | 5.85% | 5.85% | 7.12% | 4.00% | $43.7M |
| Q3 2025 | 6.33% | 6.33% | 7.59% | 4.36% | $47.5M |
| Q4 2025 | 5.33% | 5.33% | 6.59% | 3.63% | $48.3M |
| Q1 2026 | 3.46% | 3.46% | 4.72% | 2.41% | $49.1M |
| Q2 2026 | 2.89% | 2.89% | 4.14% | 2.06% | $49.0M |
Tioga-Franklin Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tioga-Franklin 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 Tioga-Franklin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33802) · FFIEC NIC profile (RSSD 885579)