Bank of Dawson: 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 Q1 2026, Total risk-based capital ratio fell 1.19 percentage points in Q2 2026 to 27.03%, the biggest move on this page. Bank of Dawson ranks 9th of 79 Georgia banks on CET1 ratio, in the upper half at 25.77% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Bank of Dawson reported 25.77% on CET1 ratio in Q2 2026, 10.70 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.77% |
| Tier 1 risk-based capital ratio | 25.77% |
| Total risk-based capital ratio | 27.03% |
| Tier 1 leverage ratio | 18.15% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $30.8M |
| Total equity capital | $26.1M |
| Risk-weighted assets | $114.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.34% |
| Tangible equity to tangible assets | 16.34% |
| Equity capital to average assets | 16.15% |
| Internal capital growth rate | 5.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $480K |
| Common stock surplus | $9.5M |
| Retained earnings | $19.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 |
|---|---|---|---|---|---|
| Q3 2023 | 26.08% | 26.08% | 27.33% | 18.56% | $102.1M |
| Q4 2023 | 25.27% | 25.27% | 26.53% | 18.21% | $102.6M |
| Q1 2024 | 25.54% | 25.54% | 26.79% | 17.98% | $103.8M |
| Q2 2024 | 24.43% | 24.43% | 25.68% | 17.98% | $110.6M |
| Q3 2024 | 23.92% | 23.92% | 25.16% | 17.58% | $115.8M |
| Q4 2024 | 24.16% | 24.16% | 25.42% | 16.92% | $111.8M |
| Q1 2025 | 23.95% | 23.95% | 25.21% | 17.56% | $115.6M |
| Q2 2025 | 24.44% | 24.44% | 25.69% | 17.94% | $117.1M |
| Q3 2025 | 25.43% | 25.43% | 26.69% | 18.02% | $115.3M |
| Q4 2025 | 24.97% | 24.97% | 26.22% | 17.32% | $112.1M |
| Q1 2026 | 26.97% | 26.97% | 28.22% | 18.11% | $107.6M |
| Q2 2026 | 25.77% | 25.77% | 27.03% | 18.15% | $114.0M |
Bank of Dawson regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dawson, 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 Dawson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 876) · FFIEC NIC profile (RSSD 193537)