The Atlanta National 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%.
Compared with Q2 2026, Equity capital to total assets fell 0.35 percentage points in Q3 2026 to 10.30%, the biggest move on this page. Within Illinois, The Atlanta National Bank is 44th of 198 on CET1 ratio, 20.40% as of Q3 2026, above the middle of the field. The Atlanta National Bank reported 20.40% on CET1 ratio for Q3 2026, 0.84 points above the 19.57% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.40% |
| Tier 1 risk-based capital ratio | 20.40% |
| Total risk-based capital ratio | 20.95% |
| Tier 1 leverage ratio | 11.75% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $9.9M |
| Total equity capital | $8.5M |
| Risk-weighted assets | $47.4M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.30% |
| Tangible equity to tangible assets | 10.30% |
| Equity capital to average assets | 10.27% |
| Internal capital growth rate | 6.89% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $110K |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 22.99% | 22.99% | 23.53% | 12.90% | $39.3M |
| Q1 2024 | 23.45% | 23.45% | 23.99% | 13.30% | $38.6M |
| Q2 2024 | 22.79% | 22.79% | 23.34% | 13.08% | $40.0M |
| Q3 2024 | 23.35% | 23.35% | 23.91% | 12.94% | $39.2M |
| Q4 2024 | 20.74% | 20.74% | 21.25% | 12.25% | $43.9M |
| Q1 2025 | 22.43% | 22.43% | 22.98% | 12.49% | $41.0M |
| Q2 2025 | 21.77% | 21.77% | 22.32% | 12.50% | $42.8M |
| Q3 2025 | 21.57% | 21.57% | 22.15% | 12.43% | $43.5M |
| Q4 2025 | 20.82% | 20.82% | 21.39% | 11.87% | $44.7M |
| Q1 2026 | 20.43% | 20.43% | 21.00% | 11.66% | $46.1M |
| Q2 2026 | 20.54% | 20.54% | 21.10% | 11.59% | $46.4M |
| Q3 2026 | 20.40% | 20.40% | 20.95% | 11.75% | $47.4M |
The Atlanta National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Atlanta National 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 The Atlanta National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3601) · FFIEC NIC profile (RSSD 672238)