Decatur County 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%.
Accumulated other comprehensive income rose 4.8% from Q1 2026 to Q2 2026, ending at -$2.5M against -$2.6M. It was the largest change among the key lines on this page. On CET1 ratio, Decatur County Bank is 7th from the bottom among 71 Tennessee banks, 11.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Decatur County Bank sits 4.06 points lower, at 11.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 12.00% |
| Tier 1 leverage ratio | 9.03% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $32.0M |
| Total equity capital | $26.9M |
| Risk-weighted assets | $266.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.27% |
| Tangible equity to tangible assets | 8.27% |
| Equity capital to average assets | 8.28% |
| Internal capital growth rate | -0.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $11.4M |
| Retained earnings | $17.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 9.82% | 9.82% | 10.63% | 8.01% | $220.2M |
| Q4 2023 | 10.03% | 10.03% | 10.96% | 8.35% | $225.4M |
| Q1 2024 | 10.17% | 10.17% | 11.11% | 8.33% | $224.2M |
| Q2 2024 | 10.04% | 10.04% | 10.95% | 8.14% | $229.9M |
| Q3 2024 | 10.36% | 10.36% | 11.29% | 8.30% | $226.7M |
| Q4 2024 | 10.04% | 10.04% | 10.99% | 8.27% | $236.8M |
| Q1 2025 | 9.98% | 9.98% | 10.92% | 8.36% | $241.0M |
| Q2 2025 | 10.15% | 10.15% | 11.11% | 8.05% | $240.7M |
| Q3 2025 | 9.91% | 9.91% | 10.93% | 8.17% | $249.8M |
| Q4 2025 | 11.01% | 11.01% | 12.00% | 9.20% | $263.0M |
| Q1 2026 | 11.41% | 11.41% | 12.42% | 9.10% | $257.9M |
| Q2 2026 | 11.01% | 11.01% | 12.00% | 9.03% | $266.8M |
Decatur County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Decatur County 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 Decatur County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6101) · FFIEC NIC profile (RSSD 66154)