First Port City Bank: 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%.
Risk-weighted assets rose 5.7% from Q1 2026 to Q2 2026, ending at $469.5M against $444.2M. It was the largest change among the key lines on this page. Within Georgia, First Port City Bank is 63rd of 79 on CET1 ratio, 13.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Port City Bank sits 1.43 points lower, at 13.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.64% |
| Tier 1 risk-based capital ratio | 13.64% |
| Total risk-based capital ratio | 14.89% |
| Tier 1 leverage ratio | 10.49% |
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 | $64.0M |
| Tier 1 capital | $64.0M |
| Total risk-based capital | $69.9M |
| Total equity capital | $61.6M |
| Risk-weighted assets | $469.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 10.09% |
| Internal capital growth rate | 13.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $756K |
| Common stock surplus | $25.8M |
| Retained earnings | $37.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 12.64% | 12.64% | 13.89% | 10.09% | $362.8M |
| Q4 2023 | 12.24% | 12.24% | 13.49% | 9.89% | $382.3M |
| Q1 2024 | 12.59% | 12.59% | 13.84% | 9.58% | $383.5M |
| Q2 2024 | 12.57% | 12.57% | 13.82% | 9.37% | $395.2M |
| Q3 2024 | 11.98% | 11.98% | 13.24% | 9.42% | $426.6M |
| Q4 2024 | 12.33% | 12.33% | 13.59% | 9.41% | $424.4M |
| Q1 2025 | 12.40% | 12.40% | 13.65% | 9.50% | $436.5M |
| Q2 2025 | 12.84% | 12.84% | 14.09% | 9.75% | $436.4M |
| Q3 2025 | 13.00% | 13.00% | 14.25% | 10.04% | $446.4M |
| Q4 2025 | 13.49% | 13.49% | 14.74% | 10.48% | $445.0M |
| Q1 2026 | 13.96% | 13.96% | 15.22% | 10.42% | $444.2M |
| Q2 2026 | 13.64% | 13.64% | 14.89% | 10.49% | $469.5M |
First Port City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Port City Bank, 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 Port City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21784) · FFIEC NIC profile (RSSD 262237)