American Commerce Bank, N.A.: 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%.
Retained earnings rose 6.1% from Q1 2026 to Q2 2026, ending at $38.1M against $36.0M. It was the largest change among the key lines on this page. Within Georgia, American Commerce Bank, N.A. is 22nd of 79 on CET1 ratio, 20.90% as of Q2 2026, above the middle of the field. American Commerce Bank, N.A. reported 20.90% on CET1 ratio for Q2 2026, 5.82 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.90% |
| Tier 1 risk-based capital ratio | 20.90% |
| Total risk-based capital ratio | 22.16% |
| Tier 1 leverage ratio | 17.09% |
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 | $84.7M |
| Tier 1 capital | $84.7M |
| Total risk-based capital | $89.8M |
| Total equity capital | $84.7M |
| Risk-weighted assets | $405.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.08% |
| Tangible equity to tangible assets | 17.08% |
| Equity capital to average assets | 17.09% |
| Internal capital growth rate | 10.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.4M |
| Common stock surplus | $26.2M |
| Retained earnings | $38.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.91% | 15.91% | 17.17% | 12.13% | $400.7M |
| Q4 2023 | 16.24% | 16.24% | 17.49% | 13.19% | $403.4M |
| Q1 2024 | 16.35% | 16.35% | 17.60% | 13.52% | $410.2M |
| Q2 2024 | 16.58% | 16.58% | 17.84% | 14.09% | $414.0M |
| Q3 2024 | 16.12% | 16.12% | 17.38% | 14.19% | $435.6M |
| Q4 2024 | 16.15% | 16.15% | 17.40% | 13.69% | $445.1M |
| Q1 2025 | 16.87% | 16.87% | 18.13% | 14.12% | $436.4M |
| Q2 2025 | 18.07% | 18.07% | 19.33% | 14.97% | $420.0M |
| Q3 2025 | 19.56% | 19.56% | 20.82% | 15.59% | $399.0M |
| Q4 2025 | 19.58% | 19.58% | 20.84% | 16.38% | $410.1M |
| Q1 2026 | 20.00% | 20.00% | 21.26% | 17.16% | $412.3M |
| Q2 2026 | 20.90% | 20.90% | 22.16% | 17.09% | $405.2M |
American Commerce Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Commerce Bank, N.A., 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 American Commerce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57686) · FFIEC NIC profile (RSSD 3272956)