First Southern 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 9.2% lower than in Q1 2026, at -$16.7M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.85% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $111.6M |
| Tier 1 capital | $111.6M |
| Total risk-based capital | — |
| Total equity capital | $112.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 9.26% |
| Equity capital to average assets | 10.75% |
| Internal capital growth rate | 13.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $81.8M |
| Retained earnings | $45.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.58% | 8.56% | 6.83% |
| Q4 2023 | 9.70% | 9.56% | 7.84% |
| Q1 2024 | 9.72% | 9.28% | 7.54% |
| Q2 2024 | 9.75% | 9.36% | 7.66% |
| Q3 2024 | 10.04% | 9.73% | 8.14% |
| Q4 2024 | 10.06% | 9.76% | 8.13% |
| Q1 2025 | 10.28% | 9.89% | 8.27% |
| Q2 2025 | 10.37% | 9.65% | 8.06% |
| Q3 2025 | 10.55% | 10.64% | 9.05% |
| Q4 2025 | 10.71% | 11.03% | 9.48% |
| Q1 2026 | 10.50% | 10.61% | 9.07% |
| Q2 2026 | 10.85% | 10.79% | 9.26% |
First Southern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15565) · FFIEC NIC profile (RSSD 382649)