Banksouth: 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%.
Equity capital to average assets fell 0.41 percentage points from Q1 2026 to Q2 2026, ending at 18.89% against 19.30%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.06% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $41.8M |
| Tier 1 capital | $41.8M |
| Total risk-based capital | — |
| Total equity capital | $41.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.70% |
| Tangible equity to tangible assets | 18.70% |
| Equity capital to average assets | 18.89% |
| Internal capital growth rate | 1.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $10.0M |
| Retained earnings | $31.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$367K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 19.81% | 18.93% | 18.93% |
| Q4 2023 | 19.04% | 18.57% | 18.57% |
| Q1 2024 | 19.20% | 19.03% | 19.03% |
| Q2 2024 | 19.83% | 19.44% | 19.44% |
| Q3 2024 | 20.02% | 19.74% | 19.74% |
| Q4 2024 | 19.40% | 18.89% | 18.89% |
| Q1 2025 | 19.30% | 19.09% | 19.09% |
| Q2 2025 | 19.28% | 19.27% | 19.27% |
| Q3 2025 | 19.58% | 19.72% | 19.72% |
| Q4 2025 | 19.48% | 19.40% | 19.40% |
| Q1 2026 | 19.41% | 19.00% | 19.00% |
| Q2 2026 | 19.06% | 18.70% | 18.70% |
Banksouth regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, 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 Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 77) · FFIEC NIC profile (RSSD 194936)