AB&T: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
AB&T reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 16.33% in Q3 2026, up 0.14 percentage points from 16.20% in Q3 2025. Across the 12 quarters shown it ranged from 15.93% (Q4 2023) to 17.20% (Q3 2024).
What the capital ratios and amounts page covers and where each line comes from.
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.
Equity capital to total assets dropped 0.80 percentage points in Q3 2026, from 12.02% to 11.22%. It was the largest change from Q2 2026 among the key lines here. Within Georgia, AB&T is 42nd of 75 on CET1 ratio, 16.33% as of Q3 2026. AB&T reported 16.33% on CET1 ratio for Q3 2026, 1.09 points above the 15.24% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.33% |
| Tier 1 risk-based capital ratio | 16.33% |
| Total risk-based capital ratio | 17.59% |
| Tier 1 leverage ratio | 11.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $32.1M |
| Tier 1 capital | $32.1M |
| Total risk-based capital | $34.6M |
| Total equity capital | $30.7M |
| Risk-weighted assets | $196.8M |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.22% |
| Tangible equity to tangible assets | 11.22% |
| Equity capital to average assets | 11.45% |
| Internal capital growth rate | 3.99% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $21.9M |
| Retained earnings | $6.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 15.93% | 15.93% | 17.18% | 11.08% | $177.6M |
| Q1 2024 | 16.23% | 16.23% | 17.48% | 11.36% | $177.2M |
| Q2 2024 | 16.65% | 16.65% | 17.90% | 11.38% | $177.2M |
| Q3 2024 | 17.20% | 17.20% | 18.46% | 11.64% | $175.6M |
| Q4 2024 | 16.97% | 16.97% | 18.23% | 11.20% | $177.0M |
| Q1 2025 | 17.10% | 17.10% | 18.35% | 11.35% | $176.3M |
| Q2 2025 | 17.01% | 17.01% | 18.27% | 11.59% | $178.7M |
| Q3 2025 | 16.20% | 16.20% | 17.45% | 11.95% | $189.8M |
| Q4 2025 | 16.37% | 16.37% | 17.62% | 11.47% | $190.8M |
| Q1 2026 | 17.13% | 17.13% | 18.38% | 11.51% | $183.4M |
| Q2 2026 | 16.96% | 16.96% | 18.22% | 11.85% | $187.4M |
| Q3 2026 | 16.33% | 16.33% | 17.59% | 11.99% | $196.8M |
AB&T capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full AB&T profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35029) · FFIEC NIC profile (RSSD 2775151)