Bank of Dade: 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.6% to $11.7M. Within Georgia, Bank of Dade is 45th of 79 on CET1 ratio, 16.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Dade sits 1.28 points higher, at 16.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.35% |
| Tier 1 risk-based capital ratio | 16.35% |
| Total risk-based capital ratio | 17.61% |
| Tier 1 leverage ratio | 9.45% |
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 | $15.7M |
| Tier 1 capital | $15.7M |
| Total risk-based capital | $16.9M |
| Total equity capital | $10.4M |
| Risk-weighted assets | $96.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.42% |
| Tangible equity to tangible assets | 6.42% |
| Equity capital to average assets | 6.28% |
| Internal capital growth rate | 20.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $3.8M |
| Retained earnings | $11.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 16.49% | 16.49% | 17.65% | 9.50% | $87.9M |
| Q4 2023 | 16.69% | 16.69% | 17.82% | 9.46% | $90.0M |
| Q1 2024 | 15.55% | 15.55% | 16.70% | 8.78% | $89.8M |
| Q2 2024 | 15.96% | 15.96% | 17.06% | 9.22% | $91.7M |
| Q3 2024 | 16.58% | 16.58% | 17.72% | 9.53% | $91.7M |
| Q4 2024 | 17.36% | 17.36% | 18.52% | 9.80% | $91.0M |
| Q1 2025 | 16.16% | 16.16% | 17.41% | 9.16% | $91.0M |
| Q2 2025 | 16.89% | 16.89% | 18.15% | 9.84% | $92.2M |
| Q3 2025 | 17.77% | 17.77% | 19.02% | 10.35% | $91.7M |
| Q4 2025 | 17.56% | 17.56% | 18.81% | 9.99% | $92.4M |
| Q1 2026 | 16.21% | 16.21% | 17.46% | 9.21% | $93.6M |
| Q2 2026 | 16.35% | 16.35% | 17.61% | 9.45% | $96.0M |
Bank of Dade regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dade, 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 Dade profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17543) · FFIEC NIC profile (RSSD 441630)