First Bank of Pike: 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 Total risk-based capital ratio: 1.64 percentage points higher than in Q1 2026, at 18.35%. Within Georgia, First Bank of Pike is 44th of 79 on CET1 ratio, 16.57% as of Q2 2026, below the middle of the field. First Bank of Pike reported 16.57% on CET1 ratio for Q2 2026, 3.00 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.57% |
| Tier 1 risk-based capital ratio | 17.09% |
| Total risk-based capital ratio | 18.35% |
| Tier 1 leverage ratio | 9.91% |
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 | $8.5M |
| Tier 1 capital | $8.8M |
| Total risk-based capital | $9.4M |
| Total equity capital | $8.5M |
| Risk-weighted assets | $51.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.66% |
| Tangible equity to tangible assets | 9.66% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 14.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $531K |
| Common stock surplus | $1.9M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $266K |
| Accumulated other comprehensive income | -$315K |
| 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 | 15.67% | 16.29% | 17.55% | 9.79% | $43.0M |
| Q4 2023 | 15.01% | 15.61% | 16.86% | 9.56% | $44.4M |
| Q1 2024 | 15.81% | 16.43% | 17.68% | 9.84% | $43.3M |
| Q2 2024 | 16.00% | 16.60% | 17.86% | 9.79% | $44.2M |
| Q3 2024 | 15.88% | 16.46% | 17.71% | 10.01% | $45.6M |
| Q4 2024 | 16.20% | 16.80% | 18.05% | 9.88% | $44.6M |
| Q1 2025 | 14.93% | 15.47% | 16.72% | 9.93% | $49.6M |
| Q2 2025 | 15.30% | 15.83% | 17.08% | 9.91% | $50.2M |
| Q3 2025 | 15.01% | 15.51% | 16.77% | 9.59% | $52.9M |
| Q4 2025 | 15.13% | 15.64% | 16.89% | 9.42% | $52.4M |
| Q1 2026 | 14.97% | 15.46% | 16.71% | 9.24% | $54.9M |
| Q2 2026 | 16.57% | 17.09% | 18.35% | 9.91% | $51.3M |
First Bank of Pike regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Pike, 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 Pike profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9070) · FFIEC NIC profile (RSSD 760939)