Bank of Madison: 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%.
Accumulated other comprehensive income dropped 31.6% in Q3 2026, from -$5.6M to -$7.3M. It was the largest change from Q2 2026 among the key lines here. Bank of Madison ranks 50th of 79 Georgia banks on CET1 ratio, in the lower half at 15.12% (Q3 2026). At 15.12%, Bank of Madison's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 11.96% |
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 | $54.0M |
| Tier 1 capital | $54.0M |
| Total risk-based capital | $58.5M |
| Total equity capital | $46.6M |
| Risk-weighted assets | $357.1M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.44% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 10.33% |
| Internal capital growth rate | 17.07% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $10.4M |
| Retained earnings | $43.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.3M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 13.03% | 13.03% | 14.28% | 9.94% | $314.1M |
| Q1 2024 | 13.16% | 13.16% | 14.41% | 10.15% | $318.9M |
| Q2 2024 | 13.46% | 13.46% | 14.71% | 10.41% | $322.3M |
| Q3 2024 | 13.93% | 13.93% | 15.18% | 10.73% | $319.8M |
| Q4 2024 | 13.54% | 13.54% | 14.79% | 10.45% | $326.0M |
| Q1 2025 | 13.52% | 13.52% | 14.77% | 10.94% | $336.8M |
| Q2 2025 | 13.59% | 13.59% | 14.84% | 10.66% | $344.9M |
| Q3 2025 | 13.98% | 13.98% | 15.23% | 11.11% | $348.4M |
| Q4 2025 | 13.66% | 13.66% | 14.91% | 10.91% | $352.4M |
| Q1 2026 | 14.17% | 14.17% | 15.43% | 11.38% | $354.1M |
| Q2 2026 | 14.61% | 14.61% | 15.86% | 11.59% | $355.9M |
| Q3 2026 | 15.12% | 15.12% | 16.37% | 11.96% | $357.1M |
Bank of Madison regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Madison, 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 Madison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 148) · FFIEC NIC profile (RSSD 752831)