Community Bank of Georgia: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.99% +1.99 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $29.0M | 28,954 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $263.4M | 263,410 | RCOAA224 |
| Recomputed ratio | 10.99% | numerator / denominator | |
| Filed ratio | 10.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.99 pp | $5.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 5,976 | 5,976 | 5,891 | 5,796 | 5,796 | 5,779 | RCOAP742 |
| Retained earnings | 22,978 | 21,726 | 20,611 | 20,119 | 19,012 | 17,915 | RCOAKW00 |
| Accumulated other comprehensive income | (1,251) | (1,192) | (1,150) | (1,156) | (1,417) | (1,522) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,703 | 26,510 | 25,352 | 24,759 | 23,391 | 22,172 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,251 | 1,192 | 1,150 | 1,156 | 1,417 | 1,522 | P859 - P840 |
| Common equity Tier 1 capital | 28,954 | 27,702 | 26,502 | 25,915 | 24,808 | 23,694 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,954 | 27,702 | 26,502 | 25,915 | 24,808 | 23,694 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 263,410 | 244,270 | 247,037 | 249,403 | 242,873 | 225,321 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.73% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.21% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.52% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.73% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.20% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.75% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.65% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.75% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Community Bank of Georgia (this bank) | CBLR | NA | NA | NA | 10.99% | |
| The First National Bank and Trust Company of Broken Arrow | $269.5M | Risk-based | 19.97% | 19.97% | 21.22% | 16.42% |
| South Georgia Bank | $269.5M | Risk-based | 20.57% | 20.57% | 21.84% | 10.60% |
| The Peoples Bank | $269.7M | CBLR | NA | NA | NA | 11.67% |
| Castroville State Bank | $269.7M | CBLR | NA | NA | NA | 10.93% |
| Freedom Financial Bank | $269.3M | Risk-based | 10.36% | 10.36% | 11.62% | 9.30% |
| Farmers and Merchants Bank | $269.8M | CBLR | NA | NA | NA | 11.97% |
| South Coast Bank & Trust | $269.8M | CBLR | NA | NA | NA | 9.90% |
| Mediapolis Savings Bank | $269.9M | CBLR | NA | NA | NA | 10.20% |
| Arlo Bank | $269.1M | CBLR | NA | NA | NA | 13.53% |
| Lamar Bank and Trust Company | $269.0M | CBLR | NA | NA | NA | 10.20% |
| Peer 25th percentile | 15.17% | 15.17% | 16.42% | 10.20% | ||
| Peer median | 19.97% | 19.97% | 21.22% | 10.77% | ||
| Peer 75th percentile | 20.27% | 20.27% | 21.53% | 11.90% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3213333/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.