First State Bank of Blakely: 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%.
In Q2 2026, Retained earnings edged up by 2.2%, from $103.1M to $105.3M, the largest move among the key lines here. Within Georgia, First State Bank of Blakely is 8th of 79 on CET1 ratio, 27.02% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, First State Bank of Blakely reported 27.02% on CET1 ratio in Q2 2026, 11.95 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.02% |
| Tier 1 risk-based capital ratio | 27.02% |
| Total risk-based capital ratio | 28.27% |
| Tier 1 leverage ratio | 19.19% |
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 | $129.3M |
| Tier 1 capital | $129.3M |
| Total risk-based capital | $135.3M |
| Total equity capital | $130.2M |
| Risk-weighted assets | $478.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.48% |
| Tangible equity to tangible assets | 19.36% |
| Equity capital to average assets | 19.29% |
| Internal capital growth rate | 6.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $651K |
| Common stock surplus | $24.4M |
| Retained earnings | $105.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$196K |
| 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 | — | — | — | 16.79% | — |
| Q4 2023 | — | — | — | 17.21% | — |
| Q1 2024 | — | — | — | 17.18% | — |
| Q2 2024 | — | — | — | 17.34% | — |
| Q3 2024 | — | — | — | 17.34% | — |
| Q4 2024 | — | — | — | 17.25% | — |
| Q1 2025 | 25.35% | 25.35% | 26.60% | 17.60% | $460.4M |
| Q2 2025 | — | — | — | 18.04% | — |
| Q3 2025 | — | — | — | 18.48% | — |
| Q4 2025 | 26.81% | 26.81% | 28.06% | 18.50% | $463.8M |
| Q1 2026 | — | — | — | 19.13% | — |
| Q2 2026 | 27.02% | 27.02% | 28.27% | 19.19% | $478.6M |
First State Bank of Blakely regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Blakely, 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 State Bank of Blakely profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15496) · FFIEC NIC profile (RSSD 5135)