Family 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%.
In Q2 2026, Risk-weighted assets edged up by 2.2%, from $101.7M to $103.9M, the largest move among the key lines here. Family Bank ranks 17th of 79 Georgia banks on CET1 ratio, in the upper half at 21.90% (Q2 2026). Family Bank reported 21.90% on CET1 ratio for Q2 2026, 6.83 points above 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 | 21.90% |
| Tier 1 risk-based capital ratio | 21.90% |
| Total risk-based capital ratio | 23.17% |
| Tier 1 leverage ratio | 14.13% |
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 | $22.8M |
| Tier 1 capital | $22.8M |
| Total risk-based capital | $24.1M |
| Total equity capital | $22.8M |
| Risk-weighted assets | $103.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.04% |
| Tangible equity to tangible assets | 14.04% |
| Equity capital to average assets | 14.12% |
| Internal capital growth rate | 8.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $22.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16K |
| 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 | 20.67% | 20.67% | 21.93% | 12.47% | $84.2M |
| Q4 2023 | 20.60% | 20.60% | 21.86% | 12.81% | $86.4M |
| Q1 2024 | 20.50% | 20.50% | 21.76% | 12.62% | $88.8M |
| Q2 2024 | 20.83% | 20.83% | 22.09% | 12.50% | $89.2M |
| Q3 2024 | 21.23% | 21.23% | 22.49% | 12.67% | $89.7M |
| Q4 2024 | 21.62% | 21.62% | 22.88% | 13.02% | $90.5M |
| Q1 2025 | 22.26% | 22.26% | 23.52% | 13.29% | $90.3M |
| Q2 2025 | 21.66% | 21.66% | 22.92% | 13.69% | $95.2M |
| Q3 2025 | 21.40% | 21.40% | 22.67% | 13.92% | $98.6M |
| Q4 2025 | 21.94% | 21.94% | 23.21% | 14.00% | $98.8M |
| Q1 2026 | 21.95% | 21.95% | 23.22% | 14.19% | $101.7M |
| Q2 2026 | 21.90% | 21.90% | 23.17% | 14.13% | $103.9M |
Family Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Family 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 Family Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29357) · FFIEC NIC profile (RSSD 156970)