Dedicated Community 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%.
Total risk-based capital ratio rose 0.83 percentage points from Q1 2026 to Q2 2026, ending at 13.31% against 12.48%. It was the largest change among the key lines on this page. Within South Carolina, Dedicated Community Bank is 22nd of 30 on CET1 ratio, 12.71% as of Q2 2026, below the middle of the field. Dedicated Community Bank reported 12.71% on CET1 ratio for Q2 2026, 2.36 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.71% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.27% |
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 | $9.4M |
| Tier 1 capital | $9.4M |
| Total risk-based capital | $9.8M |
| Total equity capital | $8.9M |
| Risk-weighted assets | $73.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
| Equity capital to average assets | 8.81% |
| Internal capital growth rate | 11.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $790K |
| Common stock surplus | $1.3M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$471K |
| 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 | 11.51% | 11.51% | 12.47% | 9.07% | $71.3M |
| Q4 2023 | 11.33% | 11.33% | 12.26% | 9.11% | $73.5M |
| Q1 2024 | 11.29% | 11.29% | 12.28% | 8.84% | $72.6M |
| Q2 2024 | 11.67% | 11.67% | 12.72% | 8.89% | $70.9M |
| Q3 2024 | 11.19% | 11.19% | 12.25% | 8.84% | $74.9M |
| Q4 2024 | 12.00% | 12.00% | 12.50% | 8.42% | $71.3M |
| Q1 2025 | 11.11% | 11.11% | 11.60% | 8.24% | $76.8M |
| Q2 2025 | 11.15% | 11.15% | 11.67% | 8.38% | $78.2M |
| Q3 2025 | 11.64% | 11.64% | 12.21% | 8.70% | $77.2M |
| Q4 2025 | 11.81% | 11.81% | 12.37% | 8.89% | $77.5M |
| Q1 2026 | 11.90% | 11.90% | 12.48% | 8.94% | $76.8M |
| Q2 2026 | 12.71% | 12.71% | 13.31% | 9.27% | $73.8M |
Dedicated Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dedicated Community 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 Dedicated Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26588) · FFIEC NIC profile (RSSD 513322)