Bank of the Lowcountry: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 30.1% higher than in Q1 2026, at -$6.9M. Within South Carolina, Bank of the Lowcountry is 26th of 30 on CET1 ratio, 11.64% 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 the Lowcountry sits 3.43 points lower, at 11.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.64% |
| Tier 1 risk-based capital ratio | 11.64% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 9.25% |
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 | $39.6M |
| Tier 1 capital | $39.6M |
| Total risk-based capital | $43.0M |
| Total equity capital | $32.7M |
| Risk-weighted assets | $340.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.59% |
| Tangible equity to tangible assets | 7.59% |
| Equity capital to average assets | 7.64% |
| Internal capital growth rate | 10.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.0M |
| Common stock surplus | $9.7M |
| Retained earnings | $23.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 12.75% | 12.75% | 13.92% | 9.63% | $231.6M |
| Q4 2023 | 12.37% | 12.37% | 13.57% | 8.38% | $240.7M |
| Q1 2024 | 11.92% | 11.92% | 13.09% | 8.09% | $247.6M |
| Q2 2024 | 11.61% | 11.61% | 12.76% | 8.04% | $256.8M |
| Q3 2024 | 11.09% | 11.09% | 12.18% | 8.04% | $273.2M |
| Q4 2024 | 11.04% | 11.04% | 12.11% | 8.22% | $278.2M |
| Q1 2025 | 10.69% | 10.69% | 11.73% | 8.26% | $287.0M |
| Q2 2025 | 10.74% | 10.74% | 11.82% | 8.56% | $292.4M |
| Q3 2025 | 11.54% | 11.54% | 12.55% | 9.69% | $321.7M |
| Q4 2025 | 11.79% | 11.79% | 12.79% | 9.20% | $322.1M |
| Q1 2026 | 11.83% | 11.83% | 12.84% | 9.10% | $327.9M |
| Q2 2026 | 11.64% | 11.64% | 12.66% | 9.25% | $340.0M |
Bank of the Lowcountry regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Lowcountry, 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 the Lowcountry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27496) · FFIEC NIC profile (RSSD 1404481)