Community Bank of Pickens County: 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%.
Compared with Q1 2026, Total risk-based capital ratio fell 0.65 percentage points in Q2 2026 to 20.13%, the biggest move on this page. Within Georgia, Community Bank of Pickens County is 26th of 79 on CET1 ratio, 18.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Bank of Pickens County sits 3.87 points higher, at 18.94% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.94% |
| Tier 1 risk-based capital ratio | 18.94% |
| Total risk-based capital ratio | 20.13% |
| Tier 1 leverage ratio | 13.55% |
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 | $86.4M |
| Tier 1 capital | $86.4M |
| Total risk-based capital | $91.9M |
| Total equity capital | $86.1M |
| Risk-weighted assets | $456.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.69% |
| Tangible equity to tangible assets | 13.69% |
| Equity capital to average assets | 13.50% |
| Internal capital growth rate | -0.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.8M |
| Common stock surplus | $15.7M |
| Retained earnings | $65.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$350K |
| 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 | 18.30% | 18.30% | 19.55% | 11.81% | $345.0M |
| Q4 2023 | 18.11% | 18.11% | 19.36% | 12.18% | $365.2M |
| Q1 2024 | 18.47% | 18.47% | 19.72% | 12.64% | $374.9M |
| Q2 2024 | 18.21% | 18.21% | 19.46% | 13.08% | $394.6M |
| Q3 2024 | 17.77% | 17.77% | 19.02% | 12.75% | $397.5M |
| Q4 2024 | 18.07% | 18.07% | 19.32% | 12.81% | $407.9M |
| Q1 2025 | 19.39% | 19.39% | 20.64% | 13.18% | $399.0M |
| Q2 2025 | 19.47% | 19.47% | 20.72% | 13.74% | $419.9M |
| Q3 2025 | 19.31% | 19.31% | 20.57% | 13.21% | $415.2M |
| Q4 2025 | 19.07% | 19.07% | 20.29% | 13.42% | $435.2M |
| Q1 2026 | 19.57% | 19.57% | 20.79% | 13.64% | $442.6M |
| Q2 2026 | 18.94% | 18.94% | 20.13% | 13.55% | $456.4M |
Community Bank of Pickens County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Pickens County, 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 Community Bank of Pickens County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35513) · FFIEC NIC profile (RSSD 2943615)