The First National Bank of Waynesboro: 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%.
Equity capital to total assets rose 0.39 percentage points from Q1 2026 to Q2 2026, ending at 19.31% against 18.92%. It was the largest change among the key lines on this page. Among 79 Georgia banks, The First National Bank of Waynesboro sits 4th from the top on CET1 ratio, 34.39% as of Q2 2026. The First National Bank of Waynesboro's CET1 ratio of 34.39% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 19.32 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.39% |
| Tier 1 risk-based capital ratio | 34.39% |
| Total risk-based capital ratio | 35.65% |
| Tier 1 leverage ratio | 19.14% |
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 | $45.4M |
| Tier 1 capital | $45.4M |
| Total risk-based capital | $47.0M |
| Total equity capital | $44.2M |
| Risk-weighted assets | $131.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.31% |
| Tangible equity to tangible assets | 19.31% |
| Equity capital to average assets | 18.67% |
| Internal capital growth rate | 12.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $250K |
| Retained earnings | $44.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 30.23% | 30.23% | 31.48% | 16.82% | $112.7M |
| Q4 2023 | 30.40% | 30.40% | 31.65% | 16.78% | $113.3M |
| Q1 2024 | 30.66% | 30.66% | 31.92% | 16.62% | $116.6M |
| Q2 2024 | 30.95% | 30.95% | 32.20% | 17.60% | $119.4M |
| Q3 2024 | 30.45% | 30.45% | 31.70% | 18.16% | $123.8M |
| Q4 2024 | 31.34% | 31.34% | 32.59% | 17.57% | $122.3M |
| Q1 2025 | 32.93% | 32.93% | 34.18% | 17.05% | $120.3M |
| Q2 2025 | 32.86% | 32.86% | 34.12% | 17.98% | $124.4M |
| Q3 2025 | 33.16% | 33.16% | 34.41% | 18.89% | $127.1M |
| Q4 2025 | 33.88% | 33.88% | 35.14% | 19.00% | $126.1M |
| Q1 2026 | 34.67% | 34.67% | 35.92% | 19.46% | $127.0M |
| Q2 2026 | 34.39% | 34.39% | 35.65% | 19.14% | $131.9M |
The First National Bank of Waynesboro regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Waynesboro, 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 The First National Bank of Waynesboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2160) · FFIEC NIC profile (RSSD 31134)