First American Bank and Trust Company: 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 dropped 61.0% in Q3 2026, from -$1.4M to -$2.2M. It was the largest change from Q2 2026 among the key lines here. Within Georgia, First American Bank and Trust Company is 35th of 79 on CET1 ratio, 17.71% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First American Bank and Trust Company sits 2.64 points higher, at 17.71% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.71% |
| Tier 1 risk-based capital ratio | 17.71% |
| Total risk-based capital ratio | 18.96% |
| Tier 1 leverage ratio | 13.18% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $121.8M |
| Tier 1 capital | $121.8M |
| Total risk-based capital | $130.5M |
| Total equity capital | $119.6M |
| Risk-weighted assets | $688.0M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.67% |
| Tangible equity to tangible assets | 12.67% |
| Equity capital to average assets | 12.94% |
| Internal capital growth rate | 10.05% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $30.3M |
| Retained earnings | $88.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 16.78% | 16.78% | 18.03% | 10.94% | $555.2M |
| Q1 2024 | 17.11% | 17.11% | 18.36% | 11.30% | $561.0M |
| Q2 2024 | 17.00% | 17.00% | 18.25% | 11.50% | $577.2M |
| Q3 2024 | 17.61% | 17.61% | 18.86% | 12.27% | $579.2M |
| Q4 2024 | 17.27% | 17.27% | 18.52% | 12.61% | $597.5M |
| Q1 2025 | 17.47% | 17.47% | 18.72% | 12.85% | $602.1M |
| Q2 2025 | 17.57% | 17.57% | 18.82% | 12.60% | $619.0M |
| Q3 2025 | 17.41% | 17.41% | 18.66% | 12.80% | $631.3M |
| Q4 2025 | 17.41% | 17.41% | 18.66% | 12.91% | $650.6M |
| Q1 2026 | 16.78% | 16.78% | 18.03% | 13.37% | $691.0M |
| Q2 2026 | 17.22% | 17.22% | 18.47% | 13.34% | $690.3M |
| Q3 2026 | 17.71% | 17.71% | 18.96% | 13.18% | $688.0M |
First American Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust Company, 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 First American Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16858) · FFIEC NIC profile (RSSD 921039)