Bank of Alapaha: 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%.
Risk-weighted assets rose 3.9% from Q1 2026 to Q2 2026, ending at $131.6M against $126.6M. It was the largest change among the key lines on this page. Bank of Alapaha ranks 25th of 79 Georgia banks on CET1 ratio, in the upper half at 19.50% (Q2 2026). Bank of Alapaha reported 19.50% on CET1 ratio for Q2 2026, 4.43 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 | 19.50% |
| Tier 1 risk-based capital ratio | 19.50% |
| Total risk-based capital ratio | 20.76% |
| Tier 1 leverage ratio | 10.23% |
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 | $25.7M |
| Tier 1 capital | $25.7M |
| Total risk-based capital | $27.3M |
| Total equity capital | $19.3M |
| Risk-weighted assets | $131.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.71% |
| Tangible equity to tangible assets | 7.71% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | 8.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $2.6M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 17.31% | 17.31% | 18.57% | 10.32% | $129.8M |
| Q4 2023 | 17.68% | 17.68% | 18.94% | 10.11% | $129.6M |
| Q1 2024 | 18.39% | 18.39% | 19.66% | 10.04% | $126.2M |
| Q2 2024 | 17.79% | 17.79% | 19.05% | 10.64% | $132.2M |
| Q3 2024 | 18.52% | 18.52% | 19.78% | 10.87% | $129.3M |
| Q4 2024 | 18.32% | 18.32% | 19.58% | 10.06% | $128.9M |
| Q1 2025 | 18.91% | 18.91% | 20.17% | 9.97% | $126.9M |
| Q2 2025 | 18.78% | 18.78% | 20.04% | 10.24% | $130.4M |
| Q3 2025 | 19.47% | 19.47% | 20.73% | 10.39% | $128.4M |
| Q4 2025 | 19.43% | 19.43% | 20.69% | 10.06% | $127.8M |
| Q1 2026 | 19.94% | 19.94% | 21.20% | 10.08% | $126.6M |
| Q2 2026 | 19.50% | 19.50% | 20.76% | 10.23% | $131.6M |
Bank of Alapaha regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alapaha, 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 Bank of Alapaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 155) · FFIEC NIC profile (RSSD 986935)