Commercial Banking Company: 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%.
Retained earnings climbed 8.7% in Q2 2026, from $21.6M to $23.4M. It was the largest change from Q1 2026 among the key lines here. Commercial Banking Company ranks 55th of 79 Georgia banks on CET1 ratio, in the lower half at 14.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Commercial Banking Company sits 0.64 points lower, at 14.43% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.43% |
| Tier 1 risk-based capital ratio | 14.43% |
| Total risk-based capital ratio | 15.68% |
| Tier 1 leverage ratio | 10.32% |
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 | $41.3M |
| Tier 1 capital | $41.3M |
| Total risk-based capital | $44.9M |
| Total equity capital | $38.6M |
| Risk-weighted assets | $286.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.44% |
| Tangible equity to tangible assets | 9.44% |
| Equity capital to average assets | 9.66% |
| Internal capital growth rate | 20.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $123K |
| Common stock surplus | $17.7M |
| Retained earnings | $23.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 18.69% | 18.69% | 19.95% | 11.00% | $197.4M |
| Q4 2023 | 17.97% | 17.97% | 19.22% | 10.26% | $198.8M |
| Q1 2024 | 17.72% | 17.72% | 18.98% | 10.60% | $209.7M |
| Q2 2024 | 18.14% | 18.14% | 19.40% | 11.03% | $213.0M |
| Q3 2024 | 17.26% | 17.26% | 18.51% | 10.37% | $218.0M |
| Q4 2024 | 16.53% | 16.53% | 17.78% | 9.77% | $221.0M |
| Q1 2025 | 16.49% | 16.49% | 17.74% | 10.76% | $230.2M |
| Q2 2025 | 16.30% | 16.30% | 17.55% | 10.97% | $242.7M |
| Q3 2025 | 14.70% | 14.70% | 15.95% | 10.34% | $257.4M |
| Q4 2025 | 14.81% | 14.81% | 16.06% | 10.45% | $266.4M |
| Q1 2026 | 14.26% | 14.26% | 15.51% | 10.19% | $276.4M |
| Q2 2026 | 14.43% | 14.43% | 15.68% | 10.32% | $286.1M |
Commercial Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Banking Company, 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 Commercial Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16246) · FFIEC NIC profile (RSSD 381932)