Douglas National 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.4% higher than in Q1 2026, at -$2.4M. Within Georgia, Douglas National Bank is 53rd of 79 on CET1 ratio, 14.53% as of Q2 2026, below the middle of the field. Douglas National Bank reported 14.53% on CET1 ratio for Q2 2026, 0.54 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 | 14.53% |
| Tier 1 risk-based capital ratio | 14.53% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 10.33% |
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 | $34.3M |
| Tier 1 capital | $34.3M |
| Total risk-based capital | $36.8M |
| Total equity capital | $31.9M |
| Risk-weighted assets | $235.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.76% |
| Tangible equity to tangible assets | 9.76% |
| Equity capital to average assets | 9.62% |
| Internal capital growth rate | 17.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $5.6M |
| Retained earnings | $25.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 14.83% | 14.83% | 15.93% | 10.18% | $187.8M |
| Q4 2023 | 15.06% | 15.06% | 16.17% | 10.28% | $190.3M |
| Q1 2024 | 14.10% | 14.10% | 15.22% | 9.89% | $194.5M |
| Q2 2024 | 14.00% | 14.00% | 15.09% | 10.26% | $204.5M |
| Q3 2024 | 14.37% | 14.37% | 15.47% | 10.43% | $206.9M |
| Q4 2024 | 13.76% | 13.76% | 14.79% | 9.56% | $224.3M |
| Q1 2025 | 13.83% | 13.83% | 14.89% | 9.15% | $218.8M |
| Q2 2025 | 14.44% | 14.44% | 15.52% | 9.68% | $220.2M |
| Q3 2025 | 14.90% | 14.90% | 15.99% | 10.39% | $222.5M |
| Q4 2025 | 15.17% | 15.17% | 16.25% | 10.95% | $228.2M |
| Q1 2026 | 14.19% | 14.19% | 15.26% | 9.93% | $232.0M |
| Q2 2026 | 14.53% | 14.53% | 15.60% | 10.33% | $235.9M |
Douglas National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Douglas National 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 Douglas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57230) · FFIEC NIC profile (RSSD 3049635)