The GEO. D. Warthen 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: 20.7% lower than in Q1 2026, at -$1.8M. Within Georgia, The GEO. D. Warthen Bank is 14th of 79 on CET1 ratio, 22.74% as of Q2 2026, above the middle of the field. The GEO. D. Warthen Bank's CET1 ratio of 22.74% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 7.67 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.74% |
| Tier 1 risk-based capital ratio | 22.74% |
| Total risk-based capital ratio | 23.99% |
| Tier 1 leverage ratio | 13.01% |
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 | $26.3M |
| Tier 1 capital | $26.3M |
| Total risk-based capital | $27.8M |
| Total equity capital | $24.6M |
| Risk-weighted assets | $115.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.92% |
| Tangible equity to tangible assets | 12.92% |
| Equity capital to average assets | 12.15% |
| Internal capital growth rate | 7.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $10.1M |
| Retained earnings | $15.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 16.28% | 16.28% | 17.44% | 9.52% | $130.3M |
| Q4 2023 | 17.06% | 17.06% | 18.15% | 10.14% | $129.4M |
| Q1 2024 | 17.47% | 17.47% | 18.59% | 9.97% | $126.6M |
| Q2 2024 | 18.18% | 18.18% | 19.37% | 10.56% | $125.6M |
| Q3 2024 | 19.49% | 19.49% | 20.74% | 10.88% | $120.4M |
| Q4 2024 | 20.07% | 20.07% | 21.32% | 11.38% | $119.6M |
| Q1 2025 | 20.01% | 20.01% | 21.26% | 11.47% | $119.8M |
| Q2 2025 | 20.26% | 20.26% | 21.51% | 11.95% | $121.3M |
| Q3 2025 | 21.37% | 21.37% | 22.63% | 12.41% | $117.5M |
| Q4 2025 | 21.62% | 21.62% | 22.87% | 12.85% | $119.4M |
| Q1 2026 | 22.37% | 22.37% | 23.62% | 12.51% | $115.3M |
| Q2 2026 | 22.74% | 22.74% | 23.99% | 13.01% | $115.7M |
The GEO. D. Warthen Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The GEO. D. Warthen 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 The GEO. D. Warthen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2154) · FFIEC NIC profile (RSSD 305237)