The Bank of Edison: 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 climbed 13.0% in Q2 2026, from $3.3M to $3.7M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Bank of Edison is 57th of 79 on CET1 ratio, 14.27% as of Q2 2026, below the middle of the field. The Bank of Edison reported 14.27% on CET1 ratio for Q2 2026, 5.30 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 9.08% |
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 | $7.7M |
| Tier 1 capital | $7.7M |
| Total risk-based capital | $8.3M |
| Total equity capital | $5.1M |
| Risk-weighted assets | $53.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.02% |
| Tangible equity to tangible assets | 6.02% |
| Equity capital to average assets | 5.99% |
| Internal capital growth rate | 36.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $3.5M |
| Retained earnings | $3.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 14.30% | 14.30% | 15.51% | 8.55% | $44.4M |
| Q4 2023 | 15.81% | 15.81% | 17.15% | 8.65% | $41.1M |
| Q1 2024 | 15.04% | 15.04% | 16.23% | 8.96% | $45.0M |
| Q2 2024 | 13.99% | 13.99% | 14.96% | 8.74% | $49.3M |
| Q3 2024 | 14.08% | 14.08% | 15.02% | 8.54% | $50.9M |
| Q4 2024 | 14.74% | 14.74% | 15.91% | 8.49% | $46.9M |
| Q1 2025 | 14.72% | 14.72% | 15.97% | 8.96% | $48.3M |
| Q2 2025 | 13.62% | 13.62% | 14.79% | 9.04% | $53.2M |
| Q3 2025 | 13.86% | 13.86% | 15.05% | 8.96% | $53.1M |
| Q4 2025 | 14.59% | 14.59% | 15.84% | 8.24% | $49.1M |
| Q1 2026 | 13.61% | 13.61% | 14.86% | 8.45% | $53.2M |
| Q2 2026 | 14.27% | 14.27% | 15.52% | 9.08% | $53.7M |
The Bank of Edison regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Edison, 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 Bank of Edison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5686) · FFIEC NIC profile (RSSD 610539)