Flint Community 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%.
Retained earnings rose 3.5% from Q1 2026 to Q2 2026, ending at $19.7M against $19.0M. It was the largest change among the key lines on this page. Flint Community Bank ranks 70th of 79 Georgia banks on CET1 ratio, in the lower half at 12.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Flint Community Bank sits 2.35 points lower, at 12.72% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 9.06% |
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 | $32.2M |
| Tier 1 capital | $32.2M |
| Total risk-based capital | $35.4M |
| Total equity capital | $32.1M |
| Risk-weighted assets | $253.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.00% |
| Tangible equity to tangible assets | 9.00% |
| Equity capital to average assets | 9.05% |
| Internal capital growth rate | 8.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $7.5M |
| Retained earnings | $19.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$49K |
| 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 | 11.15% | 11.15% | 12.41% | 8.34% | $236.2M |
| Q4 2023 | 11.31% | 11.31% | 12.57% | 8.57% | $235.4M |
| Q1 2024 | 11.28% | 11.28% | 12.53% | 8.69% | $238.1M |
| Q2 2024 | 11.22% | 11.22% | 12.47% | 8.76% | $242.0M |
| Q3 2024 | 11.59% | 11.59% | 12.85% | 8.90% | $237.9M |
| Q4 2024 | 11.26% | 11.26% | 12.51% | 9.04% | $250.2M |
| Q1 2025 | 11.38% | 11.38% | 12.63% | 8.87% | $252.3M |
| Q2 2025 | 11.76% | 11.76% | 13.01% | 8.81% | $250.6M |
| Q3 2025 | 12.18% | 12.18% | 13.44% | 9.16% | $247.9M |
| Q4 2025 | 12.30% | 12.30% | 13.55% | 9.24% | $252.5M |
| Q1 2026 | 12.49% | 12.49% | 13.75% | 9.36% | $252.3M |
| Q2 2026 | 12.72% | 12.72% | 13.97% | 9.06% | $253.1M |
Flint Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Flint Community 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 Flint Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58074) · FFIEC NIC profile (RSSD 3341393)