FNB South: 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 3.4% in Q2 2026 to $116.3M, the biggest move on this page. Within Georgia, FNB South is 12th of 79 on CET1 ratio, 22.90% as of Q2 2026. FNB South's CET1 ratio of 22.90% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 7.82 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.90% |
| Tier 1 risk-based capital ratio | 22.90% |
| Total risk-based capital ratio | 24.18% |
| Tier 1 leverage ratio | 16.24% |
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 | $116.9M |
| Tier 1 capital | $116.9M |
| Total risk-based capital | $123.5M |
| Total equity capital | $116.5M |
| Risk-weighted assets | $510.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.85% |
| Tangible equity to tangible assets | 15.85% |
| Equity capital to average assets | 16.18% |
| Internal capital growth rate | 13.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $300K |
| Retained earnings | $116.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$436K |
| 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 | 25.73% | 25.73% | 27.00% | 17.26% | $380.3M |
| Q4 2023 | 23.94% | 23.94% | 25.20% | 15.76% | $381.5M |
| Q1 2024 | 23.36% | 23.36% | 24.63% | 16.20% | $413.0M |
| Q2 2024 | 23.67% | 23.67% | 24.94% | 16.95% | $424.9M |
| Q3 2024 | 22.98% | 22.98% | 24.25% | 16.92% | $451.4M |
| Q4 2024 | 21.95% | 21.95% | 23.22% | 14.90% | $454.2M |
| Q1 2025 | 22.30% | 22.30% | 23.58% | 15.13% | $465.8M |
| Q2 2025 | 22.69% | 22.69% | 23.97% | 15.62% | $478.5M |
| Q3 2025 | 22.94% | 22.94% | 24.21% | 15.79% | $486.6M |
| Q4 2025 | 22.38% | 22.38% | 23.65% | 15.26% | $484.4M |
| Q1 2026 | 22.85% | 22.85% | 24.12% | 15.96% | $495.2M |
| Q2 2026 | 22.90% | 22.90% | 24.18% | 16.24% | $510.6M |
FNB South regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB South, 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 FNB South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17011) · FFIEC NIC profile (RSSD 12030)