The Claxton Bank: 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 Equity capital to average assets: 0.78 percentage points lower than in Q1 2026, at 12.08%. The Claxton Bank ranks 48th of 79 Georgia banks on CET1 ratio, in the lower half at 15.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Claxton Bank reported 15.39% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.39% |
| Tier 1 risk-based capital ratio | 15.39% |
| Total risk-based capital ratio | 16.65% |
| Tier 1 leverage ratio | 12.60% |
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 | $37.2M |
| Tier 1 capital | $37.2M |
| Total risk-based capital | $40.2M |
| Total equity capital | $35.6M |
| Risk-weighted assets | $241.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.68% |
| Tangible equity to tangible assets | 11.68% |
| Equity capital to average assets | 12.08% |
| Internal capital growth rate | 4.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $26.8M |
| Retained earnings | $9.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 13.74% | 13.74% | 15.00% | 9.73% | $112.7M |
| Q4 2023 | 14.07% | 14.07% | 15.34% | 10.29% | $116.7M |
| Q1 2024 | 14.04% | 14.04% | 15.32% | 10.10% | $118.0M |
| Q2 2024 | 28.33% | 28.33% | 29.59% | 20.15% | $123.4M |
| Q3 2024 | 27.58% | 27.58% | 28.84% | 18.50% | $127.6M |
| Q4 2024 | 24.54% | 24.54% | 25.80% | 17.11% | $143.9M |
| Q1 2025 | 23.07% | 23.07% | 24.32% | 16.02% | $154.4M |
| Q2 2025 | 20.24% | 20.24% | 21.49% | 15.65% | $178.2M |
| Q3 2025 | 19.67% | 19.67% | 20.93% | 15.04% | $185.0M |
| Q4 2025 | 16.96% | 16.96% | 18.21% | 14.15% | $216.2M |
| Q1 2026 | 15.70% | 15.70% | 16.95% | 13.41% | $233.8M |
| Q2 2026 | 15.39% | 15.39% | 16.65% | 12.60% | $241.4M |
The Claxton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Claxton Bank, 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 Claxton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15826) · FFIEC NIC profile (RSSD 452739)