Countybank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 2.9% to $443.2M. Within South Carolina, Countybank is 16th of 30 on CET1 ratio, 14.78% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Countybank reported 14.78% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.78% |
| Tier 1 risk-based capital ratio | 14.78% |
| Total risk-based capital ratio | 15.61% |
| Tier 1 leverage ratio | 8.72% |
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 | $65.5M |
| Tier 1 capital | $65.5M |
| Total risk-based capital | $69.2M |
| Total equity capital | $45.8M |
| Risk-weighted assets | $443.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.25% |
| Tangible equity to tangible assets | 6.07% |
| Equity capital to average assets | 6.09% |
| Internal capital growth rate | 0.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $22.2M |
| Retained earnings | $42.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.1M |
| 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 | 14.52% | 14.52% | 15.37% | 8.54% | $436.7M |
| Q4 2023 | 14.65% | 14.65% | 15.46% | 8.53% | $427.9M |
| Q1 2024 | 14.50% | 14.50% | 15.30% | 8.57% | $432.6M |
| Q2 2024 | 14.64% | 14.64% | 15.44% | 8.71% | $429.1M |
| Q3 2024 | 14.61% | 14.61% | 15.42% | 8.59% | $429.8M |
| Q4 2024 | 14.50% | 14.50% | 15.36% | 8.56% | $433.4M |
| Q1 2025 | 14.60% | 14.60% | 15.47% | 8.55% | $430.9M |
| Q2 2025 | 14.34% | 14.34% | 15.20% | 8.54% | $439.6M |
| Q3 2025 | 14.92% | 14.92% | 15.80% | 8.51% | $430.8M |
| Q4 2025 | 15.44% | 15.44% | 16.30% | 8.52% | $423.9M |
| Q1 2026 | 15.20% | 15.20% | 16.06% | 8.65% | $430.6M |
| Q2 2026 | 14.78% | 14.78% | 15.61% | 8.72% | $443.2M |
Countybank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Countybank, 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 Countybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9155) · FFIEC NIC profile (RSSD 271529)