First Bank of Coastal Georgia: 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: 9.3% lower than in Q1 2026, at -$7.8M. First Bank of Coastal Georgia ranks 29th of 79 Georgia banks on CET1 ratio, in the upper half at 18.69% (Q2 2026). First Bank of Coastal Georgia reported 18.69% on CET1 ratio for Q2 2026, 3.62 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 | 18.69% |
| Tier 1 risk-based capital ratio | 18.69% |
| Total risk-based capital ratio | 19.66% |
| Tier 1 leverage ratio | 9.07% |
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 | $20.1M |
| Tier 1 capital | $20.1M |
| Total risk-based capital | $21.1M |
| Total equity capital | $12.3M |
| Risk-weighted assets | $107.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.68% |
| Tangible equity to tangible assets | 5.68% |
| Equity capital to average assets | 5.54% |
| Internal capital growth rate | 4.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $12.9M |
| Retained earnings | $6.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.8M |
| 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 | 22.34% | 22.34% | 23.40% | 9.21% | $83.4M |
| Q4 2023 | 21.61% | 21.61% | 22.64% | 9.10% | $86.9M |
| Q1 2024 | 20.51% | 20.51% | 21.47% | 9.06% | $92.7M |
| Q2 2024 | 20.83% | 20.83% | 21.81% | 8.92% | $92.3M |
| Q3 2024 | 20.82% | 20.82% | 21.80% | 8.88% | $93.8M |
| Q4 2024 | 21.20% | 21.20% | 22.21% | 8.41% | $92.8M |
| Q1 2025 | 17.61% | 17.61% | 18.55% | 8.24% | $110.0M |
| Q2 2025 | 18.05% | 18.05% | 19.04% | 8.05% | $107.8M |
| Q3 2025 | 18.47% | 18.47% | 19.48% | 8.34% | $106.1M |
| Q4 2025 | 19.10% | 19.10% | 20.12% | 8.44% | $104.4M |
| Q1 2026 | 19.68% | 19.68% | 20.71% | 9.06% | $101.2M |
| Q2 2026 | 18.69% | 18.69% | 19.66% | 9.07% | $107.3M |
First Bank of Coastal Georgia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Coastal Georgia, 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 Bank of Coastal Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15580) · FFIEC NIC profile (RSSD 823638)