Capital Adequacy Tier - Tier 1 Ratio % is the ratio of a bank’s core tier 1 capital, which includes its equity capital and disclosed reserves, to its total risk-weighted assets. It is a key measure of a bank's financial strength and should not fall lower than 6% as per Basel III rules.
First Seacoast Bancorp's Capital Adequacy Tier - Tier 1 Ratio % for the quarter that ended in Mar. 2022 was 16.11%
, which is lower than
16.63% for the pervious quarter ended in Dec. 2021.
First Seacoast Bancorp's Capital Adequacy Tier - Tier 1 Ratio % for the annual that ended in Dec. 2021 was 16.63%
, which is lower than
16.72% for the pervious year ended in Dec. 2020.
The historical rank and industry rank for First Seacoast Bancorp's Capital Adequacy Tier - Tier 1 Ratio % or its related term are showing as below:
First Seacoast Bancorp Capital Adequacy Tier - Tier 1 Ratio % Historical Data
The historical data trend for First Seacoast Bancorp's Capital Adequacy Tier - Tier 1 Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Premium members only.
First Seacoast Bancorp Annual Data
Trend
Dec19
Dec20
Dec21
Capital Adequacy Tier - Tier 1 Ratio %
First Seacoast BancorpQuarterly Data
Trend
Mar19
Jun19
Sep19
Mar20
Jun20
Sep20
Dec20
Mar21
Jun21
Sep21
Dec21
Mar22
Capital Adequacy Tier - Tier 1 Ratio %
Competitive Comparison
For the Banks - Regional subindustry, First Seacoast Bancorp's Capital Adequacy Tier - Tier 1 Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Tier 1 Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Seacoast Bancorp (NAS:FSEA) Capital Adequacy Tier - Tier 1 Ratio % Calculation
Capital Adequacy Tier - Tier 1 Ratio % is calculated as
Capital Adequacy Tier - Tier 1 Ratio %
=
Tier 1 Capital
/
Total Risk Weighted Assets
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Seacoast Bancorp (NAS:FSEA) Capital Adequacy Tier - Tier 1 Ratio % Explanation
Tier 1 capital, or core capital, consists of a bank's common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. The tier 1 capital ratio is the ratio of a bank’s core capital vs. its total risk-weighted assets (RWAs). The risk-weighted assets are calculated by multiplying the assets that the company holds by their corresponding weights for credit risk (the weight is usually developed by the central bank).
The tier 1 capital ratio is the basis for the Basel III international capital and liquidity standards. The standard is used to force banks to increase capital buffers and ensure they can withstand financial distress before they become insolvent. Basel III rules stipulate that the Tier 1 capital ratio has to be at least 6% and the equity component of Tier 1 capital has to have at least 4.5% of RWAs. A higher Tier 1 ratio suggests that the company has more capital to pay down deposits and is less likely to become insolvent.
First Seacoast Bancorp Capital Adequacy Tier - Tier 1 Ratio % Related Terms
Thank you for viewing the detailed overview of First Seacoast Bancorp's Capital Adequacy Tier - Tier 1 Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.
First Seacoast Bancorp is the savings and loan holding company for First Seacoast Bank. Its business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings from the Federal Home Loan Bank, in one-to four-family residential real estate loans, commercial real estate and multi-family real estate loans, acquisition, development and land loans, commercial and industrial loans, home equity loans and lines of credit and consumer loans. The company generates revenue from financial instruments, such as loans, letters of credit and investments securities, as well as revenue related to mortgage servicing activities and bank-owned life insurance.
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