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%.
Tangible equity to tangible assets rose 0.59 percentage points from Q1 2026 to Q2 2026, ending at 10.12% against 9.53%. It was the largest change among the key lines on this page. Within Georgia, Banksouth is 59th of 79 on CET1 ratio, 14.07% as of Q2 2026, below the middle of the field. Banksouth reported 14.07% on CET1 ratio for Q2 2026, 0.59 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.07% |
| Tier 1 risk-based capital ratio | 14.07% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 10.17% |
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 | $161.5M |
| Tier 1 capital | $161.5M |
| Total risk-based capital | $175.9M |
| Total equity capital | $165.2M |
| Risk-weighted assets | $1.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.39% |
| Tangible equity to tangible assets | 10.12% |
| Equity capital to average assets | 10.37% |
| Internal capital growth rate | 16.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $771K |
| Common stock surplus | $14.8M |
| Retained earnings | $150.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.25% | 12.25% | 13.50% | 9.89% | $998.6M |
| Q4 2023 | 12.31% | 12.31% | 13.56% | 10.11% | $1.02B |
| Q1 2024 | 12.33% | 12.33% | 13.59% | 10.31% | $1.05B |
| Q2 2024 | 12.69% | 12.69% | 13.95% | 10.30% | $1.05B |
| Q3 2024 | 12.96% | 12.96% | 14.22% | 10.10% | $1.05B |
| Q4 2024 | 13.20% | 13.20% | 14.45% | 10.20% | $1.04B |
| Q1 2025 | 13.53% | 13.53% | 14.78% | 10.66% | $1.05B |
| Q2 2025 | 14.71% | 14.71% | 15.97% | 10.89% | $995.6M |
| Q3 2025 | 14.83% | 14.83% | 16.08% | 11.21% | $1.01B |
| Q4 2025 | 13.01% | 13.01% | 14.26% | 9.39% | $1.15B |
| Q1 2026 | 13.54% | 13.54% | 14.79% | 9.93% | $1.14B |
| Q2 2026 | 14.07% | 14.07% | 15.32% | 10.17% | $1.15B |
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 16418) · FFIEC NIC profile (RSSD 88231)