First National Bank of Griffin: 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 6.2% in Q2 2026 to -$7.9M, the biggest move on this page. Within Georgia, First National Bank of Griffin is 37th of 79 on CET1 ratio, 17.70% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank of Griffin sits 2.63 points higher, at 17.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.70% |
| Tier 1 risk-based capital ratio | 17.70% |
| Total risk-based capital ratio | 18.72% |
| Tier 1 leverage ratio | 11.41% |
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 | $42.0M |
| Tier 1 capital | $42.0M |
| Total risk-based capital | $44.4M |
| Total equity capital | $34.2M |
| Risk-weighted assets | $237.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.29% |
| Internal capital growth rate | 17.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $15.6M |
| Retained earnings | $25.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 17.64% | 17.64% | 18.48% | 8.95% | $185.7M |
| Q4 2023 | 17.01% | 17.01% | 17.91% | 8.75% | $189.7M |
| Q1 2024 | 18.45% | 18.45% | 19.27% | 9.31% | $181.2M |
| Q2 2024 | 17.58% | 17.58% | 18.34% | 9.70% | $197.8M |
| Q3 2024 | 17.73% | 17.73% | 18.51% | 9.81% | $197.1M |
| Q4 2024 | 17.38% | 17.38% | 18.14% | 10.08% | $208.3M |
| Q1 2025 | 18.66% | 18.66% | 19.51% | 10.48% | $202.6M |
| Q2 2025 | 18.08% | 18.08% | 18.97% | 10.63% | $213.8M |
| Q3 2025 | 17.50% | 17.50% | 18.38% | 11.03% | $228.4M |
| Q4 2025 | 17.33% | 17.33% | 18.26% | 11.13% | $234.1M |
| Q1 2026 | 17.24% | 17.24% | 18.22% | 11.32% | $238.5M |
| Q2 2026 | 17.70% | 17.70% | 18.72% | 11.41% | $237.4M |
First National Bank of Griffin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Griffin, 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 National Bank of Griffin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 169) · FFIEC NIC profile (RSSD 563233)