First Southern State 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%.
Compared with Q1 2026, Retained earnings rose 3.2% in Q2 2026 to $81.8M, the biggest move on this page.
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 | 10.59% |
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 | $96.6M |
| Tier 1 capital | $96.6M |
| Total risk-based capital | — |
| Total equity capital | $80.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.97% |
| Tangible equity to tangible assets | 8.49% |
| Equity capital to average assets | 8.74% |
| Internal capital growth rate | 13.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $19.4M |
| Retained earnings | $81.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.47% | 5.43% | 4.82% |
| Q4 2023 | 9.69% | 6.85% | 6.27% |
| Q1 2024 | 9.79% | 6.70% | 6.12% |
| Q2 2024 | 9.84% | 6.93% | 6.36% |
| Q3 2024 | 9.96% | 7.90% | 7.36% |
| Q4 2024 | 9.89% | 7.14% | 6.59% |
| Q1 2025 | 10.07% | 7.69% | 7.16% |
| Q2 2025 | 10.05% | 7.73% | 7.21% |
| Q3 2025 | 10.19% | 8.52% | 8.01% |
| Q4 2025 | 10.30% | 8.73% | 8.24% |
| Q1 2026 | 10.42% | 8.82% | 8.33% |
| Q2 2026 | 10.59% | 8.97% | 8.49% |
First Southern State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2829) · FFIEC NIC profile (RSSD 246134)