Colony 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which fell 3.6% to $99.8M. Within Georgia, Colony Bank is 65th of 79 on CET1 ratio, 13.55% as of Q2 2026, below the middle of the field. At 13.55%, Colony Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.42% |
| Tier 1 leverage ratio | 9.97% |
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 | $361.2M |
| Tier 1 capital | $361.2M |
| Total risk-based capital | $384.2M |
| Total equity capital | $404.1M |
| Risk-weighted assets | $2.66B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.18% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | -3.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $336.4M |
| Retained earnings | $99.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33.0M |
| 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 | 12.56% | 12.56% | 13.43% | 8.99% | $2.18B |
| Q4 2023 | 12.94% | 12.94% | 13.85% | 9.28% | $2.17B |
| Q1 2024 | 13.37% | 13.37% | 14.31% | 9.43% | $2.13B |
| Q2 2024 | 13.85% | 13.85% | 14.80% | 9.76% | $2.11B |
| Q3 2024 | 13.67% | 13.67% | 14.65% | 9.51% | $2.10B |
| Q4 2024 | 14.33% | 14.33% | 15.29% | 9.55% | $2.05B |
| Q1 2025 | 14.05% | 14.05% | 15.01% | 9.62% | $2.14B |
| Q2 2025 | 13.23% | 13.23% | 14.14% | 9.48% | $2.22B |
| Q3 2025 | 13.33% | 13.33% | 14.18% | 9.83% | $2.25B |
| Q4 2025 | 13.61% | 13.61% | 14.48% | 10.78% | $2.61B |
| Q1 2026 | 13.59% | 13.59% | 14.45% | 9.95% | $2.66B |
| Q2 2026 | 13.55% | 13.55% | 14.42% | 9.97% | $2.66B |
Colony Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Colony 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 Colony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22257) · FFIEC NIC profile (RSSD 491934)